What should I do if CCB fails to refund the money?

1. If the CCB refund is not credited, you can call CCB to ask if there is any pending debt and ask them to handle it in time. If CCB confirms that there is no pending debt, you can only call China Merchants Bank or bring your ID to a nearby location. Please contact bank staff at any bank branch for enquiry.

Second, bank refunds are very slow

Because some links require manual approval, banks are unwilling to take risks in advance. The reason why WeChat, Alipay or other third-party software arrives instantly is because they advance the money, that is, they take the money from their own hands and give it to the customer first, and then wait for manual approval from the bank before calling Alipay and other software.

In view of the fact that most people still do not understand some banking positions, here is a popular science

Remit money through online banking or mobile banking

If you make a mistake Once you have the card number, the money will be automatically credited back to the card, basically within seconds.

If you enter the wrong name, the money will not be automatically reversed by the system. There is a special post in the background to take care of this. Once this happens, the system will prompt this post and then manually reverse the account.

Many positions and processes in the banking industry are not that intelligent. The specific reasons are unknown. Don’t think of banks as being very automated. If they were really so automated, they would not be able to compete with Alipay and WeChat.

Third, introduce the payment company’s refund business, including refund types, refund methods, refund processes, refund accounts, etc.

1. Refund types are divided according to the refund amount: partial refund and full refund. According to the channel's refund support capabilities, it is divided into: channel refund through the original route and refund through the non-original route. Divided by refund quantity: single refund and batch refund.

2. Refund method: For channels that support original refund, refund can be made directly through the refund interface (or in special cases like online banking transactions, the settlement personnel need to log in to the channel merchant backend to enter the order number, refund Please use the payment amount and other information to perform refund operations). For channels that do not support original refunds, settlement personnel need to make refunds through manual payment.

3. Refund process

(1). User or merchant initiates refund (initiated through refund interface or merchant backend);

(2) . The merchant conducts a refund review. If the merchant rejects the review, the refund fails. If the review is successful, it will be transferred to the payment company for review;

(3). The payment company conducts a refund review. If the review rejects, the refund fails; if the review is successful, For channels that support original refunds through the channel (the channel verifies whether the payment status of the original transaction order is successful, whether the refund amount is greater than the original order amount, etc.); for channels that do not support original refunds, transfer to Manual refund;

(4). Manual review for manual refund. If the review fails, the refund will be rejected. If the review is successful, manual payment will be made and the refund will be made.