When your credit card is used by a merchant, the merchant will submit the receipt to its merchant bank, and the merchant bank will make regular delivery with your issuing bank, and then your issuing bank will transfer the transaction to your account. When you apply to the issuing bank to stop payment, you can also apply for refusal to pay. The issuing bank will immediately and unconditionally retrieve the transaction amount from the merchant bank, then investigate the transaction and ask the merchant bank to provide relevant information and evidence. This process is relatively long. Under normal circumstances, it takes about 30-45 days for a merchant bank to handle it. During this period, you will not be responsible for this transaction, and you will not be fined for not paying the fees for this transaction. If the investigation proves that you are really not responsible for the transaction, the issuing bank will cancel the transaction from your account or offset it by repayment; On the contrary, you will not only be responsible for the transaction, but also be charged a certain investigation fee.