Take shopping by credit card on Taobao as an example. Under normal circumstances, if a refund is made after online shopping, the refunded items will be returned to the Bank of Communications credit card, and the merchant can receive the refund within three to five days after accepting the refund request, so there are many cases of refund before the bill date.

In this case, if a refund is received before the current bill date, it can be directly counted as repayment, and it should not be found that it needs to be repaid again after the bill comes out; If the transaction date of the refund is later than the current bill date, then the refunded item cannot be regarded as the repayment of the current bill, and the cardholder needs to repay the transaction amount by himself before the repayment date comes. Refunds received after repayment will be regarded as overpayment.