The amount refunded has offset the arrears of the previous bill. After that, the user only needs to repay according to the offset amount. A similar concept also exists in this issue. This concept will appear when the records of refund and repayment in general accounting details are negative.
When the pressure of credit card repayment is high, it is recommended to actively negotiate repayment: even if the credit card is not repaid, don't lose contact and run away. Don't miss the dunning call from the bank. If you have no money, you should also show your willingness to repay and see if you can negotiate repayment. Don't panic if the bank says it will sue, but for those who are temporarily unable to repay, this is an opportunity. It will be easier to negotiate under the mediation of the court when the court is in session.