In Luoyang, tour paid by credit card, how are refund timing and channel fee handled?

[Direct conclusion] 【Credit-card refund usually takes 3–15 business days (by issuer); channel fee is mostly borne by the or, not deducted from you; if original-path fails (card canceled), we switch to corporate or another card.】 Timing: Card refund is slower than WeChat but rarely extra-charged. Key points to keep in mind: 1. | Channel | Arrival | |---|---| | WeChat/Alipay | 1–3 days | | Credit card | 3–15 days | | Corporate | per bank | ◆ Tip: confirm card active before refund; check bank statement if late; we give proof. 2. For slow card refund call to trace the payment ID. 3. We sign formal contracts and issue proper receipts with full after-sales support; call for consultation and booking. Note: Keep medical certificates and other proof for insurance or refund claims. Junwei International Travel Agency (License No. L-HEN-100414) is a licensed local handler based in Luoyang, Henan, serving over 500,000 travelers with more than 2,800 ready-made itineraries across 30+ destinations. Call 130 1764 8055 for a detailed itinerary and quotation.