After the credit card is repaid, the refund will be returned to the credit card, and the entry time is generally 1 to 3 working days, which varies from bank to bank. If it is a refund before the bill date, this consumption will be deducted and not included in the bill; If you receive a refund on the billing date, it will not be included in the current repayment, but will be included in the next bill as an overpayment of the credit card.

Credit card refund is generally put forward by the cardholder, then the merchant initiates the refund, the bank processes the information after receiving it, and then the subsequent refund is sent to the issuing bank, which records it before the customer gets the credit card. If you haven't received a refund for a long time after launching, you can consult credit card customer service at this time.

Credit cards must be returned on time after daily use, and there can be no overdue situation, because there will be penalty interest after overdue, and the longer the time, the more penalty interest. However, if you can't return it on time, you can use installment repayment or minimum repayment amount to avoid overdue repayment by credit card.

In order to prevent the credit card from being returned on time after use, it is best for users to know what benefits to return when using the credit card. If your income is relatively small, you should use credit cards carefully at this time. If you can't return it on time, you can borrow money from your friends.

The inquiry method of returning credit card funds is as follows:

1. Online banking inquiry. Cardholders can log in to the issuing bank's online banking, then check the credit card bill and check the refund record.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

Issuer's website: www.yqfaka.com

2. Mobile banking inquiry. Cardholders can log in to the issuing bank's mobile banking, and then check their credit card balance and bills.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

Application version: v7.2.4

3. Check at the bank counter. Cardholders can bring their ID cards and credit cards to the bank counter to check the money refunded by credit cards.

At present, the credit card refund will only be returned to the paid card, not to the payment platform. For example, if you pay with a credit card bound to Alipay, the money will be returned to the credit card when you refund it, not to Alipay. Generally, there will be SMS notification when refunding.