Your debt will be deducted after the refund arrives. If all the money on the card has been paid off, the returned money will be left on the credit card as an overpayment, which will be deducted from the overpayment when swiping the card in the future. If the refund amount is relatively large and you are not going to swipe your card in the near future, you can take out the overpaid part at the CCB outlets or ATM machines in the provinces and cities where this card is located, free of charge.