When credit card payment involves refund, the payment card will be returned directly. However, the refund is not received immediately, and it takes 3- 15 working days. Every business is different, and Taobao and JD.COM need 3-5 working days.

The credit card refund process is as follows:

1. The cardholder applies for a refund from the merchant.

2. The merchant agrees to refund.

3. The money will be returned to Alipay first, and the display of frozen balance is not available.

4. Alipay applies for a refund from the bank.

The bank will refund the money to the cardholder's credit card.