If you have any questions about the transaction/bill amount of Guangfa Credit Card, please pay attention to the following: 1. Overseas catering transactions: most overseas catering merchants will charge tips. If they agree to deduct tips when spending, the amount of consumption SMS does not include tips, but the actual amount submitted by merchants to the bank will include tips. It is suggested to recall whether they agree to deduct tips when spending; 2. For domestic transactions or overseas non-catering transactions, it is recommended to negotiate a refund with the merchants first. If the refund/return has been successfully negotiated with the merchants and within the refund period, please wait patiently and pay attention to the bill; If the negotiation time has expired/the refund has not been negotiated with the merchant, please call the customer service hotline 95518 for consultation.