How long does it take for the refund to be returned to the credit card? Credit card refunds are generally returned the same way, that is, back to the credit card account used for payment. However, it does not mean that the money will arrive immediately after the merchant agrees to refund. It usually takes 1 to 3 working days to return. After the money is deposited, the bank will usually send a text message notification. At that time, you can pay attention to the bank text message, or Log on to the card-issuing bank's website to check the credit card's consumption details to see if there are any transactions recorded. If the transaction is not credited, call the bank and ask.
Do I have to pay back the credit card refund? This should be judged based on two times, one is the time when the refund is credited, and the other is the time when the credit card is issued, and then divided into two situations: 1. Repayment: that is, the time when the refund is credited. After the credit card is issued, this refund It can only be offset against the next period's arrears. If the current period's bill has already come out, you still have to repay according to the bill amount. 2. No repayment is required: that is, when the refund is credited, before the credit card is issued, and there are no other purchases or arrears, the refund will offset the arrears, and no repayment is required. For example, if the China Merchants Bank credit card statement date is the 10th, and you purchase 1,000 yuan online on March 11 and get a refund, the refund will be credited to your account on March 15. Since the bill was not issued until April 10, the refund will be returned. The balance will be deducted directly from the credit card, so there is no need to repay it this period.