If you use China Merchants Bank credit card, if the refund transaction date is after the billing date, you can't offset the amount that has been billed in the current period, but you can offset the new consumption that has not been billed. Because the merchant's refund and your personal deposit belong to two different types. Generally, it takes a long time for merchants to refund money. Usually, the money will be refunded to the credit card after you have issued the bill, and the transactions or refunds after your bill are actually included in your next bill. Therefore, the refund of merchants does not actually play a role in repayment of your current bill, but it can offset the consumption after your current bill. After the credit card is paid off, the refund will still return to the account the same way, that is, it will be returned to the credit card. This situation is also called overpayment, which means that the cardholder can put the money in it to offset the next time he swipes the card, or take it out at the ATM, but there will be a handling fee.

three ways to deal with credit card overpayment

1. If the amount is not large, you can wait for it to be within the credit card limit and use it directly for consumption. The next time you spend, the credit card will deduct the overpayment first.

2. For cash transfer, the overpayment can be directly transferred to the bank's savings card at the counter or on the front of the self-service equipment, which may result in handling fees.

3. Cash withdrawal: Generally, cash withdrawal by credit card will generate handling fees and interest, except for overpayment. The excess money saved by credit card can be taken out at the counter, and generally it must be deposited the next day or the banker is required to bring his ID card to handle it.

the above is the introduction of how to pay off the credit card and get the refund. I hope it can help you. After the amount in the credit card has been paid off, if you apply for a refund and it hasn't arrived yet, you can contact the merchant to see if you can refund the refund to the bank card in my name.