What you want to ask is "I bought something with my credit card but I have already repaid it. What should I do if I get a refund?" After the credit card is paid off, the refund is still returned in the same way, which is called overpayment. There are three ways to deal with it.

1, direct consumption, if the refund amount is not large, it can be directly used for consumption, and the overpaid part will be deducted from the credit card at the next consumption.

2. Cash transfer and overpayment of savings cards that can be directly transferred to the bank at the counter or self-service equipment may result in handling fees.

3. Cash withdrawal and overpayment can also be handled by cash withdrawal, but the cash withdrawal fees of different bank credit cards are also different.