if the refund transaction date is after the billing date, it cannot offset the payable amount of the billed bill in the current period, but it can offset the new consumption of the unbilled bill. Because the merchant's refund and your personal deposit belong to two different types. Generally, it takes a long time for merchants to refund money. Usually, the money will be refunded to the credit card after you have issued the bill, and the transactions or refunds after your bill are actually included in your next bill. Therefore, the refund of merchants does not actually play a role in repayment of your current bill, but it can offset the consumption after your current bill.