2-3 days. It can be credited in 2-3 days, and the time limit for credit card refund of China Merchants Bank depends on the merchant's return operation mode. If the merchant returns the goods online, it will be recorded in 2-3 days, and if it is returned offline (or manually), it may take 2-3 weeks. Please consult the merchant for the specific return method. If the transaction date of the refund is later than the current bill date, the refund amount will not be regarded as the repayment of the current bill, and will be included in the next bill. If it is interest-free installment, after the refund occurs, the merchant needs further confirmation, and after confirmation, the money will be returned to the credit card, and the user does not need to pay the installment fee. Instead of interest-free installment, even if the installment amount is returned, the handling fee will not be refunded. After the handling fee is included in the bill, the user still needs to pay the handling fee. Therefore, after the credit card of China Merchants Bank is refunded in installments, the refund will be directly returned to the credit card. At this time, users only need to pay attention to whether to pay the installment fee. Apple usually receives a refund within 3-5 working days. After Apple's official inspection is correct, it will start the refund procedure until the time of receiving the refund is determined according to the payment method. For local credit card, debit card, Alipay or telephone payment, the refund will be sent to the issuing bank within 3 to 5 working days after receiving the return. About the 24th China Merchants Bank 1. The handling fee of China Merchants Bank's credit card for 24 installments is 0.68%, and credit card installment for 24 installments means 24 months repayment. There is no interest on the credit card installment of China Merchants Bank, only the installment fee, and the 24-period credit card repayment is 24 months repayment. 2. There is no interest on the credit card installment of China Merchants Bank, only the installment fee, and the installment interest = installment number * installment interest rate * installment amount. Therefore, the specific interest rate of China Merchants Credit Card 24 depends on the installment rate and installment amount. For example, if Mr. Wang spends 10000 yuan to repay in 24 installments, and the interest rate of repayment in 24 installments is 0.68%, then the total interest generated by 10000 yuan in 24 installments is10000 * 0.68% * 24 =1632 yuan. In addition, the applicant can also choose two installments, three installments, six installments, 10, 12, 18, 24 installments and 36 installments, and the corresponding rates for each installment are 1.0%, 0.9%, 0.75% and 36 installments respectively.