When you apply for a refund after shopping with a credit card, the refund is usually returned directly to the credit card. Most banks stipulate that if the refund occurs between the bill date and the repayment date, the credit card bill amount of the current month cannot be covered, and it can only be reserved for the next bill coverage or consumption. Repayment should also be made according to the bill, otherwise the penalty interest will be imposed according to the regulations. Both ticket refund and Alipay account refund should follow the above principles. However, if the customer has a return transaction before the bill date, the current bill will automatically reverse the transaction without repayment. Investment is risky, please make a careful decision.