Yes The repayment of China UnionPay Express Credit Card failed, because the credit card was not recorded, and it took 5 working days to return it to the original repayment account. China UnionPay Express Card and China UnionPay Express are products jointly launched by UnionPay and commercial banks. They use HCE and token technology, and at the same time have the ability of "flash payment" of physical store POS machines.