Refund does not count as current repayment

In an interview with a customer, the reporter learned that credit card refunds are not a current rule of repayment, which has become a rule of many banks, such as refund of airline tickets, refund of Alipay accounts or cancellation of other businesses' consumption. This is the case only when customers deposit money into credit cards.

The staff of a bank's Credit Card Center said that this has the consideration of preventing users from cashing out with credit cards. The cardholder conspires with the merchant to brush off a sum of money in the credit line at the beginning of each credit cycle, and then the merchant will return it to the credit card account at the end of the cycle. If the system automatically defaults the refund to the repayment of the cardholder, it is equal to the cardholder occupying the money for free forever.

The excess payment can be withdrawn through the counter

The customer paid back the money according to the credit card bill, and the refund was also returned to the credit card, resulting in excessive payment of the credit card. What else can we do in addition to consumption? Bank staff said that the excess payment of the credit card is equivalent to increasing the credit limit of the credit card. When the card is consumed, the excess payment limit is generally used first, and then the credit limit of the credit card is used. In this process, banks generally do not charge handling fees. However, if the excess payment is directly withdrawn in cash from the ATM, most banks will charge the corresponding excess payment withdrawal handling fee according to a certain proportion of the withdrawal amount. If there is excess payment in the credit card account, it is best to swipe the card directly or withdraw cash free of charge at the counter of the bank outlet.

Many citizens questioned this and believed that if the money was returned to the bank, the arrears and debts should be lifted. The rule that refunds before and after the repayment date are not considered as repayment is indeed unreasonable. Banks should reasonably solve this problem based on the principle of fairness.

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