Can I refund my credit card?

question 1: there are too many credit cards. can you return them? you are a man who is almost 3 years old. why do you post such posts as those posted by minors?

question 2: can the credit card be refunded? after the credit card account is settled, please call the credit card customer service hotline at 4825555, enter your ID number or inquiry password according to the voice prompt, and then select "9" to transfer the service specialist to handle the cancellation for you. Cancellation is free, and it is impossible to cancel the account through the network at present.

question 3: a credit card can be refunded in a few days. if a consumer returns the goods after shopping with a credit card, the payment can only be directly refunded to the credit card, while the time for most banks to receive the refund is about half a month, and some even longer. For example, Bank of China or some local banks need ten working days to return the money to the credit card account; ICBC needs about 15 working days; CCB can generally complete the refund process within 3-15 working days; China Merchants Bank only needs 3 working days.

Question 4: Can the return money in the credit card be used as repayment? Hello, if you use our credit card, 1. If the transaction date of return and fee reduction is before the billing date of the credit card: your consumption at that time has been included in the bill and needs to be repaid, this return money will be calculated according to a certain proportion and counted as repayment; Please refer to the "repayment amount in this period" found in the credit card online banking.

2. if the transaction date of return and fee reduction is after the credit card billing date: since your consumption has not been included in the bill, you don't need to repay it immediately, so the returned expenses will not be counted as repayment offset bill, and you still need to repay the original amount in this bill.

3. If there is no actual return: since your money has not been returned, it can't be confirmed for the time being. Whether you can offset the bill depends on the actual return of the money. If you need to know, you can confirm it after the money is returned.

if you have any questions about other CMB credit cards, please search for 4825555 among QQ corporate friends and add China Merchants Bank Credit Card Center as your friend; Or search for the number "cmb4825555" on WeChat and pay attention to China Merchants Bank Credit Card Center for consultation. Thank you for your attention and support to China Merchants Bank!

Question 5: Can the credit card of Minsheng Bank be refunded or cancelled? How to cancel the credit card of Minsheng Bank

1. Telephone card cancellation

You can apply for card cancellation by calling the 24-hour customer service hotline. When you cancel the card, you can't owe money on the account, and in order to ensure the safety of the account, you must have the card with you when you cancel the card by phone.

2. Card cancellation at the counter

If your Minsheng Bank credit card is lost, you can only cancel it at the counter of the outlet.

Tips:

1. When you cancel the credit card of Minsheng Bank, the customer service staff will definitely retain you in various ways. Please prepare sufficient reasons in advance and stand firm.

2. Before cancellation, please confirm that the accounts in your Minsheng Bank credit card have been processed, and don't owe the bank money or have any balance in the card to avoid unnecessary troubles.

question 6: can I get a refund after swiping my credit card? yes, but be careful with the bill. If the refund occurs between the bill date and the repayment date, it can't cover the credit card bill amount of the current month, and it can only be reserved for the next bill to cover or spend. Repayment should also be paid according to the bill, otherwise, the penalty interest will be imposed according to the regulations. Airline ticket refund and Alipay account refund should follow the above principles. However, if the customer has a return transaction before the billing date, the current bill will automatically reverse the transaction without repayment.

Question 7: Can I get a refund if my credit card is wrong (China Merchants Bank)? When there is an overpayment (overpayment or refund after offsetting consumption) in your credit card account, if you want to get back the overpayment, you can apply to remit the overpayment to the designated bank account in your name (US dollars can only get back my China Merchants Bank account). You need to pay a certain handling fee to get back the overpayment (the business card is free to get back your own one-card card). You may not get back the overpaid card money, which will be used to deduct the amount of your future card use. We will not pay deposit interest for the overpayment amount in your credit card account.

question 8: can the money returned by credit card consumption be regarded as repayment? directly returning it to the card is not regarded as repayment, nor as consumption.

question 9: how to refund the credit card of China merchants bank? I can't cancel it online. To call the customer service number of China Merchants Bank's credit card: mobile phone 4825555, landline 882555, and directly tell them that they want to cancel the credit card. There is no need for any reason. Just tell them that they don't want to use it, so I will cancel it. He will ask you a few information questions according to the information you filled in at the beginning to confirm that it is your card. At the same time, there is no outstanding amount or extra amount in your card, so he will directly give it to them. That's how our colleagues deal with which card looks good, cancel it when it's finished, and then keep the card as a souvenir ~

Question 1: What does credit card refund mean? Credit card refund is generally a shopping refund, a payment failure refund and a bank activity refund. The refund is included in the latest bill, and the reason for the refund can be inquired according to the time and amount.

it should be noted that the refund is not directly included in the repayment amount, but also based on the bill issued in the current period.

how to operate a credit card refund?

generally, the processing methods are different according to the time when the refund arrives.

1. If the credit card bill is refunded a few days ago and you haven't repaid the credit card yourself, the refund amount is directly deducted from the credit card debt. If you want to withdraw cash, because you withdraw the funds within the credit card limit, you will be charged a handling fee of 1% of the withdrawal amount, and interest will be calculated on a daily basis.

2. If the refund is received on the single day of the credit card account, the cardholder must repay it with his own money, because the current arrears cannot be deducted, so the refunded money can easily become an overpayment. Cardholders can withdraw cash directly, although it will not generate interest, but it is also possible to charge a handling fee. It is not cost-effective to charge according to the bank's overpayment withdrawal standard.

Further reading

A credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card.

credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate). [5]

On May 25th, 221, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

How to return the Bank of Communications credit card

Requirements for returning the Bank of Communications credit card:

First pay off the arrears, call the Bank of Communications credit card number: 8988888, and transfer to manual service, and ask the customer service staff of the Bank of Communications Credit Card Center to cancel the Bank of Communications credit card. After verifying your identity, the customer service staff can go through the cancellation procedures for you, and all processes can be completed by phone without going to the Bank of Communications business outlets.

Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user orientation is "a group of people who have ideals, pursuits, know how to enjoy life and career, are more willing to struggle, and sometimes have the need to study, do business, investigate or travel abroad.

Extended information:

Issue background

In May p>25, just as Bank of Communications was preparing to enter the credit card business, it happened that the domestic market was full of smoke: major domestic banks entered the market one after another, and the competition became increasingly fierce; Among the foreign banks, there are pioneers who aim at the China market and join hands with domestic banks to establish a model of joint credit card promotion between domestic and foreign banks.

in the face of unfavorable competitive situation, how can Bank of Communications reverse the passive situation and win the leading position in the credit card market? As early as October 24, before the establishment of the Pacific Credit Card Center, Bank of Communications had been thinking about two issues: first, the positioning of customers; Second, the advantages of strategic alliance with HSBC.