Refund after swiping a credit card, and the refund amount will be returned to the user's credit card. If it is a refund that arrives after the bill, it cannot be regarded as the current repayment, but can only be recorded in the next bill. In addition, compared with credit card consumption and short message notification for repayment, banks will not send short messages to cardholders for refund, and cardholders need to actively consult merchants.