The credit card refund process of CITIC Bank is as follows: the merchant submits the return application to the acquiring institution, and the acquiring institution submits the demand to the clearing institution (UnionPay /VISA/MC/AE/JCB), which returns the money to CITIC, and CITIC returns the money to the customer's credit card account. If there is no delay in the return link, it usually takes about 5 working days. However, if any link is delayed, the arrival time can't be predicted, and the refund will not be received by the merchants immediately after it is successful.