Many users have reported that the bank has refunded the credit card interest, some for overdue interest, and some for minimum repayment interest. So does the credit card interest refund affect the credit card? Please see the introduction below.

1. Credit card interest refund has an impact on credit cards. Applying for interest refund may leave a permanent record in the bank, which is equivalent to entering the bank's gray list and becoming the key monitoring object of the bank. It will affect the subsequent credit card withdrawal, and even affect the subsequent handling of credit cards in this bank.

2. During the epidemic period, many cardholders' willingness to repay declined, which led to the rising overdue rate of credit cards. In order to improve users' willingness to repay, many banks prefer to use interest-free methods to stimulate users to repay, which means that as long as they repay the money, they can refund the expenses incurred except the principal to the cardholders.

3. For example, if the cardholder's credit card is overdue and generates interest, or the minimum repayment amount generates interest, and the installment fee is charged, etc., after repayment, you can call the bank's customer service hotline and apply to the bank for a refund. Whether it can be returned depends on the bank's regulations.

that's the introduction about whether the credit card refund has any influence on the credit card.