Today, the mobile phone received a message from CCB, saying that it was consumption returning income. . . More than 200 yuan. What's going on here? I want a specific answer ~ ~ ~

Keep it. Don't spend it. If it is inconvenient to use money urgently, you can use it or apply for another card.

If you haven't swiped your card recently and online shopping is useless, it may be a mistake. The money will be recovered later, so keep it instead of spending it. You can check the details, check the amount and see if there is any consumption of this amount some time ago on the CCB website or on the counter. If so, that's your refund. If you have no money, you'd better not spend it.

If you buy online and apply for a refund, it may be that you bought something and then returned the money you received. Why don't you think about it?

If you have any questions, you can go to the bank to check, or call the bank, or consult the bank app. If it is the wrong operation of the bank, according to the law, this part of the money belongs to unjust enrichment for you and does not belong to you. Under normal circumstances, banks will check weekly and monthly. After the bank finds out, it will take the initiative to contact the customer, inform him of the wrong operation, and then let you repay. Generally, a large bank will give you a 200 yuan Prize. If the customer just refuses to repay, the bank will sue you, the court will sentence you to compulsory repayment, and the bank will directly deduct money from your bank card.

Also pay attention to identify the source of the news and prevent fraud. In any case, it is not recommended to spend money to buy remittances from unknown sources. If money is inexplicably deposited in a credit card, you should repeatedly confirm whether it is your salary or your relatives and friends who make money in your card. After repeatedly confirming that it is not your own money, if the amount is large, you should call the police and return the money to the depositor in time.

Article 92 of the General Principles of the Civil Law: If improper benefits are obtained without legal basis and losses are caused to others, the improper benefits obtained shall be returned to the person who has suffered losses. According to different standards, unjust enrichment can be divided into different categories. The most basic division is whether unjust enrichment is based on payment behavior, which can be divided into payment unjust enrichment and non-payment unjust enrichment.