1. The arrival time of the credit card is mainly based on the processing time of the bank. Generally, the refund period is within 1 to 15 days, usually within 3 to 7 days. The credit card refund path is returned according to the original path. If there is something wrong with the original route, the credit card will show that the refund was successful, but the money has not arrived yet.
2. If the credit card has not arrived, it is necessary to check whether it has exceeded the specified time, and the arrival time of the holiday may be postponed. Better check the credit card bill. If the user does not receive the refund within 15 working days, he can contact the bank credit card center to inquire about the specific situation. In most cases, a successful credit card refund will restore the credit limit in real time. If the user spends the corresponding amount after the refund, it will cause the illusion that the account has not arrived, and the user needs to log in to the online bank to check the specific consumption bill.
3. If the status of the bank card is abnormal and the return of the bank card is unsuccessful, it will be automatically returned to the balance of Alipay account. Therefore, users need to query the posting of the original capital path in time. If the user uses the credit card to repay the loan in installments, the installment amount and handling fee paid by the user will be fully refunded after the installment. The money returned by the credit card can offset the current debt. Under normal circumstances, the funds will be returned smoothly on the same day, no later than the next day.
Extended data:
1. Does a credit card refund count as repayment?
1. Whether a credit card refund is regarded as repayment depends on the date of the refund. If it is before the reconciliation date, it will be regarded as repayment. If it is after the reconciliation date, it will still be returned.
2. Repayment after the reconciliation date cannot be regarded as repayment. The money before the reconciliation date must be refunded first, and the refunded part can be offset by consumption next month.
Most banks say that refunds before the bill date can be deducted, but refunds after the bill date cannot be deducted. Moreover, when the refund arrives, the cardholder will not receive the arrival information sent by the bank. Because the money is returned by the merchant, the bank is only the receiver.
There is also a reason why the refund after the bill is not considered as repayment.
(1) The refund process of the merchant is very complicated, involving many aspects, which is beyond the control of the bank and cannot be set as repayment in the system settings. This is also a system of banks, which is not developed enough.
(2) The bank intends to prevent credit card cashing. Imagine that if the refund after the bill date is regarded as repayment, the cardholder can have cash for free on the due repayment date, that is, during the interest-free period.