you can apply for a refund when you buy something with a credit card. If you need to apply for a refund after purchasing something, you can contact the merchant for a refund. The merchant will operate the refund process, and the refund amount will be paid to the payment account within 1-5 working days. If a refund is made before the final repayment date, it will be counted as a cancellation, that is, there is no need to return the consumption amount, but it will be counted as a consumption before the credit card is refunded, so it is still necessary to repay according to the bill amount.

if you charge it to a third-party payment system first, the refund will go to the payment account, and if you make a direct credit card purchase, it will be directly refunded to the credit card.