How soon will the credit card refund arrive?

In most banks, it takes about half a month for a refund to arrive, and some even longer. For example, China Bank or some local banks need about ten working days; ICBC needs about 15 working days; CCB can generally complete the refund process within 3- 15 working days; It takes about 3 working days for China Merchants Bank.

Refund only cancels the original transaction, not the actual repayment. After the refund, this account was not actually credited to the credit card, but was used as an overpayment of the credit card.

1. Refunds after the bill date are not counted as current repayment, and the "refund" in the credit card is different from cash repayment. Ticket refund, Alipay account refund or cancellation of consumption by other merchants cannot be counted as current repayment; Only when users deposit their own cash can they consider repayment.

2. If it is a refund received before the bill date, you can deduct this consumption; However, if it arrives after the bill date, it cannot be deducted from the repayment of the current month and can only be included in the bill of the next month.

3. The credit card refund process is very complicated. The merchant initiates a refund, and the bank is only the receiver. Therefore, there will be no SMS reminder when the credit card refund arrives, and the cardholder will ask the bank in detail when he encounters the actual refund problem.

Precautions for the safe use of credit cards:

1, correct spending swipe posture

First of all, we should carefully set the password for the payment of the silver card, and do not use simple number arrangement, ID number, birthday, telephone number, etc. As a password to prevent it from being cracked by criminals. Secondly, when spending by credit card, you should be "eye-catching" to ensure that the card is within your sight. When entering the password, you should shield the operation to prevent criminals from peeping.

For the purchase order and card returned by the cashier, carefully check whether the amount on the purchase order is correct and whether the card is the original card; Don't discard the purchase order at will. If it needs to be discarded, please pay attention to destroying important paper information. Develop the habit of regular reconciliation, set the card transaction limit appropriately according to the actual needs of daily consumption, and store and use large-sum funds cards and daily consumption cards in different categories.

2. Third-party intermediaries should be cautious in handling credit cards.

Bank of China has not entrusted any third party to handle any credit cards. The information you hear and see about handling credit cards, especially the information about high-value cards, is illegal. Don't believe it. Once cashing occurs, the credit card account will be frozen and legal responsibility will be investigated.

There are also criminals who take advantage of the cardholder's psychology of wanting to apply for a high-quality card, charge an intermediary fee to apply for a credit card for the cardholder, and steal funds after defrauding information. Therefore, to apply for a credit card, you must apply through the formal channels of the bank.

3. Pay attention to the sudden call message transfer requirements.

Guard against telecom fraud and keep a high degree of vigilance against suspicious telephone calls, points exchange, credit enhancement, judicial investigation and other information. Public security organs do not set up safe accounts, let alone let people transfer money to safe accounts. Family and friends need money for turnover, which can be verified many times. Never listen to strangers' "guidance" to conduct ATM or online banking operations, so as not to be used by criminals.

People's Network-There are ingenious ways to use credit cards safely, remember "three wants and three don't"

People's Daily Online-The "Kicking the Ball" credit card paid by a third party will be refunded one month later.