(1) If the transaction date of refund and fee reduction is before the credit card bill date: your consumption at that time has been included in the bill and you need to repay, this refund will be calculated according to a certain proportion and counted as repayment; Please refer to the "repayment amount in this period" in credit card online banking;

(2) If the transaction date of fee reduction is later than the credit card bill date: since your consumption is not included in the bill, you don't need to repay immediately, so the returned fee will not be counted as repayment offset bill, and you still need to repay the original amount in the bill;

③ If there is no actual return: As your money has not been returned, it cannot be confirmed for the time being. Whether it can be offset depends on the actual return of the money. If you need to know, you can wait until the money is returned.