Credit cards are one of the consumption methods that people often use, and it is also very common to use credit cards for online shopping. In order to make full use of the interest-free period of credit cards, most users prefer credit card payment when shopping online. The cardholder only needs to repay the amount after the consumption amount is included in this bill. So, won’t a quick refund affect your credit report?

Wouldn’t a quick refund also affect your credit report?

A quick refund will not affect your credit report. If the user chooses a quick refund after purchasing the product, it will not affect the credit report while the merchant is still shipping the product. Extremely fast refund means that the seller fails to order a refund after the expiration date, or has received a refund and submitted a return order number. In this case, the system will immediately refund the money to the user's account to reduce the cost. Refund waiting time. To put it simply, normal refunds belong to the user’s rights and will not affect the user’s personal credit report.

In general, fast refunds will not affect your credit score. After applying for a refund, if the money arrives before the credit card statement date, it can be offset against the consumption amount, and the consumption does not need to be repaid. Moreover, no quick refund information is recorded on the personal credit report. In other words, the quick refund information will not be withdrawn or recorded on the personal credit report. To put it simply, credit cards are not suitable for online purchases. After applying for a refund, you don’t have to repay this month’s bill when it comes out.