However, please note that the Bank of Communications has a regulation that "the refund of merchants cannot be counted as repayment in the current month", and you must pay back the money yourself first, so this refund can be counted as repayment in the next month. It means that even if your money shows that it has been returned to your credit card account, it is not your payment. You'd better call the customer service of Bank of Communications to confirm this.

I've been in this situation. I used to buy a plane ticket online, but later I returned it. The account shows that the money has arrived, and I didn't repay it that month. As a result, according to their regulations, this repayment does not count. Not only that, because the money was not paid back, the interest was deducted according to the total amount of my credit card for that month. At that time, the reverse customer service reflected that it was useless and only returned half of the interest money to me. Remind here, I hope it helps.