Take China Merchants Bank's credit card as an example. When shopping returns, you can contact the merchant for a credit card refund (money can be directly returned to the credit card). The entry time depends on the processing time of the merchant's acquiring bank, and the general time limit is 15 working days (the monthly repayment is still subject to the actual account situation). In the case of installment refund, if the customer makes a full refund after installment purchase, the installment amount and handling fee of the bill will be fully refunded regardless of the handling fee collection method; If a partial refund is made, the accounting operation will adopt the way of accounting adjustment instead of returning the refund of the merchant to the customer's account at one time.