If you want to return something in installments with a China Merchants Credit Card, you only need to apply for a return and refund according to normal procedures, and the bank will treat it as a cancellation of the installment. When you apply for a refund and it is successful, the merchant (JD.com) will transmit the information to China Merchants Bank, which will be manually processed by the China Merchants Bank Credit Card Center on working days. If there is a dispute about the content of the return, the user needs to discuss with the merchant before deciding whether to refund the full amount.

As long as the user completes the return procedures with the merchant, China Merchants Bank will refund part of the product price that has been repaid in installments and the handling fee corresponding to the return payment to your credit card account in one go, up to the credit card limit. Will respond accordingly.