After using a Everbright Bank credit card for consumption, you need to repay before the repayment date. However, some cardholders have experienced refunds. So does the refund of the Everbright Bank credit card still count as repayment?

Is it still considered a repayment if the Everbright Bank credit card is refunded?

Does not count as repayment. Credit card refunds will be offset against the total balance owed on the cardholder's account. Whether it can be offset against the current bill repayment needs to be determined by calling China Everbright Bank through manual service and based on the cardholder's actual account conditions.

Credit card refund arrival time: Electronic payment returns: 3-5 working days; UnionPay channel returns: successful transactions before 21:00 will be credited to the account on the same day, if the return transaction is successful after 21:00, the credit will be credited the next day.

If the credit card bill is not paid in full and on time, interest will accrue on the consumption part; if the minimum payment amount is not paid on time, liquidated damages will also be incurred.

Under normal circumstances, credit card accounts enjoy a 3-day repayment grace period for each bill, and there is no need to apply separately.

If the cardholder repays the card before 24:00 on the last day of the grace period, it will not be overdue. If the cardholder repays the card in full, no interest will accrue on the consumption. For example: If the cardholder's repayment date is the 20th, the repayment grace period deadline is 24:00 on the 23rd.