It takes about half a month for most banks to receive refunds, and some even take longer. For example, it takes about ten working days for Bank of China or some local banks; about 15 working days for ICBC; about 3-15 working days for China Construction Bank; and about 3 working days for China Merchants Bank.

A refund is only a reversal of the original transaction and does not count as actual repayment. The account after the refund is not actually credited to the credit card, but is used as an overpayment on the credit card.

1. Future refunds on bills are not counted as current repayments. "Refunds" in credit cards are different from cash repayments. Air ticket refunds, Alipay account refunds or consumption cancellations from other merchants cannot be counted. Repayment is made in the current period; repayment is only considered if the user deposits cash himself.

2. If the refund is received before the bill date, the consumption can be deducted; but if it is received after the bill date, it cannot be deducted from the repayment of the current month and can only be calculated. Enter next month's bill.

3. The credit card refund process is relatively complicated. The merchant initiates the refund, and the bank is only the recipient. Therefore, there will be no text message reminder when the credit card refund arrives. The cardholder will not encounter the actual refund problem. Please check with the bank for details.

Precautions for safe use of credit cards:

1. Correct consumption card swiping posture

First of all, set the silver card payment password carefully, and do not arrange simple numbers, ID number, date of birth, phone number, etc. are used as passwords to prevent them from being deciphered by criminals. Secondly, when swiping a card for consumption, you should be "eyesighted" to ensure that the card is within your sight. When entering the password, you should block the operation to prevent criminals from peeking.

For the purchase form and card returned by the cashier, carefully check whether the amount on the purchase form is correct and whether the card is the original card; do not throw away the purchase form at will. If you need to discard it, please destroy the paper. important information. Develop the habit of checking your account regularly, and set card transaction limits appropriately according to actual daily consumption needs, and store and use large-value funds cards and daily consumption cards separately.

2. Be careful when third-party intermediaries handle credit cards.

Bank of China has not entrusted a third party to handle any credit cards. The information you hear and see on the agency cards, especially high-value cards, All information is illegal, so do not believe it. Once arbitrage occurs, the credit card account will be frozen and legal responsibility will be pursued.

There are also criminals who take advantage of cardholders' desire to apply for high-value cards, charge intermediary fees to apply for credit cards for cardholders, defraud information and then steal funds. Therefore, when applying for a credit card, you must apply through formal bank channels.

3. Pay attention to sudden phone and text message transfer requests

Prevent telecommunications fraud and remain highly vigilant for suspicious calls, points redemption, credit extensions, judicial investigations and other information. Public security organs do not set up safe accounts, let alone allow people to transfer money to safe accounts. If family and friends need money for turnover, they can verify it multiple times. Never follow the "guidance" of strangers when performing ATM or online banking operations to avoid being exploited by criminals.

People's Daily Online - Tips for safe use of credit cards, remember "three do's and three don'ts"

People's Daily - third-party payment "skipping the ball" credit card refunds will be collected a month later to