when you make a refund by credit card, you can contact the merchant for a credit card refund (the money can be directly returned to the credit card). The entry time depends on the merchant's return operation method, and the general time limit is about 2-3 days (the monthly repayment is still subject to the actual account situation).

1. if the transaction date of return and fee reduction is before the billing date: the return money will be calculated as repayment according to a certain proportion, please refer to the "repayment amount in this period" found. 2. If the transaction date of return and fee reduction is after the billing date: the return money will not be counted as repayment to offset the bill of the current period, and you still need to make repayment according to the original bill amount in this period. (If the refund is transferred to the credit card, the available amount will increase relatively.)