Credit card refunds often need to go through basic processes such as audit, liquidation and batch operation, and each merchant also has a liquidation and reconciliation workflow, which takes time. In addition, the processing time of each bank is different. If the bank that signed the bill when paying by credit card at that time (that is, the bank you used at 12306 when purchasing tickets) was a non-issuing bank, it would also involve the People's Bank of China to handle large and small amounts. This treatment will be carried out in batches at night, and it will take some time. At present, the credit card refund time is relatively slow, and it may take dozens of days.