CITIC's application for prepayment can be returned. After the credit card of CITIC Bank is repaid, it can be returned to another valid CITIC Bank credit card or MasterCard in its name, and the credit card account will be returned immediately after the refund is received. CITIC should pay attention to the fact that receiving the card before repayment will generate a cash withdrawal fee. You can call the credit card customer service hotline of CITIC Bank to inquire about the collection situation. At least the next day, there is no free refund.