1. Go directly to the supermarket to explain the situation. The supermarket will find this situation in the process of reconciliation with China Merchants Bank in the current month, but this situation not only troubles you, but also involves the handling of yourself and the supermarket, and the returned money cannot be used as the current repayment. You have to pay the money yourself, and the extra money will be raised or used next time, without interest.

Tell China Merchants Bank that there is something wrong with your money, because without your signature, you can refuse to pay the money. Let the bank negotiate with the supermarket. The advantage of this is that you can only deal with banks without paying money.