Core Viewpoint - The article discusses a promotional campaign by China Construction Bank (CCB) and Meituan, allowing CCB credit card holders to use their points for cash discounts on Meituan purchases, with a total monthly fund pool of 13 million yuan for the promotion [2][3]. Group 1: Promotion Details - The promotion runs from September 1, 2025, to November 30, 2025, targeting holders of CCB Dragon Card credit cards (excluding Meituan co-branded cards) [3]. - Customers can redeem points at a rate of 1 yuan for every 1,000 points, with a maximum discount of 20 yuan (2,000 points) per transaction, and the discount cannot exceed 10% of the total order amount [3][4]. - Each month, the total fund pool for point redemption is capped at 13 million yuan, and the promotion will end once the fund is exhausted [2][3]. Group 2: Participation Methods - Customers can choose to manually select the option to use points for discounts during the payment process on the Meituan app [4]. - An automatic deduction feature can be activated in the app settings, allowing points to be used for discounts without manual selection during payment [4]. Group 3: Transaction Example - An example transaction shows a total payment of 85.50 yuan, with a discount of 9.50 yuan applied through the use of CCB credit card points [5].

Core Viewpoint - The recent complaints from Meituan users regarding unreceived refunds have raised concerns about the reliability of electronic payment systems on internet platforms [1][2] Group 1: User Complaints and Refund Issues - Users have reported that refunds initiated years ago, particularly between 2014 and 2019, have not been received, leading to widespread self-audits of transaction histories [2][3] - Meituan's official response indicated that refund issues stem from two main categories: delays in displaying refund progress and anomalies in users' payment channels, which may result in refunds being credited to Meituan balances instead of original payment methods [2][5] - A user discovered over 30 orders from 2015 to 2017 marked as "refund failed," and after following up, was able to recover over 1,000 yuan in delayed refunds [3][5] Group 2: Types of Refund Problems - Refund issues are categorized into four types: failed refunds that can be manually re-initiated, orders still showing as "in refund," completed refunds with zero amounts, and refunds that appear completed but have not actually been received by users [3][4] - Users have reported discrepancies in refund amounts displayed at different times, indicating potential system errors [3] Group 3: Impact on User Trust and Customer Service - Following the complaints, there was a significant increase in user inquiries to Meituan's customer service, with reports of long wait times and high volumes of users seeking assistance [5] - Some users found that refunds had been credited to their Meituan balances without their knowledge, leading to confusion and dissatisfaction regarding the refund process [5][6] Group 4: Historical Context and System Issues - An employee from Meituan's transaction system indicated that the refund issues may be due to historical system bugs or third-party payment SDK vulnerabilities, complicating the refund process [6][7] - The refund situation has highlighted the historical challenges Meituan faced in establishing a compliant payment system, with past incidents of refunds being mismanaged before the company obtained the necessary payment licenses [7][8]

Core Viewpoint - The article discusses the issue of refunds not being credited back to users' accounts on Meituan, highlighting various types of problematic orders and user experiences related to this issue [1][3][5]. Summary by Sections Refund Issues - Refunds not credited back to users are categorized into four types: 1) "Refund Failed" orders, which users can manually re-initiate; 2) orders from years ago still showing "Refunding/Under Review"; 3) orders showing "Refund Completed" but with a refund amount of zero; and 4) orders that appear to have been refunded to the original payment account but have identical timestamps for initiation, review, and completion, with users finding no actual funds received [1][5]. User Experiences - Users began reporting issues on social media starting August 24, with many discovering that refunds from as far back as 2014 to 2019 were not received, affecting various services like dining, hotel bookings, and tickets [2][3]. - One user found over 30 orders from 2015-2017 marked as "Refund Failed" and successfully retrieved over 1,000 yuan after re-initiating the refund process [5]. - Another user, a VIP member, discovered over 80 orders with suspected non-refunds totaling over 4,000 yuan after reviewing their transaction history [6]. Customer Service Response - Meituan's customer service acknowledged the issue, stating that some refunds were not processed due to delays in updating refund status or issues with users' payment channels, suggesting that funds may have been credited to users' Meituan balance instead [3][6]. - Users reported long wait times for customer service, with queues exceeding 99 people [6]. Historical Context - The article reveals that the refund issues may stem from historical problems in Meituan's payment system, including potential bugs and legacy issues from before the company obtained its payment license in 2016 [9][10]. - There were reports of refunds being directed to a "Meituan Wallet" account before the official launch of the payment system, raising questions about the legitimacy of these transactions [10][12]. Systemic Issues - An employee from Meituan's transaction system indicated that the refund process involves multiple steps, and failures can occur at any stage, complicating the resolution of refund issues [9][10]. - The article notes that similar refund problems have been reported on other platforms, but Meituan's high volume of transactions may exacerbate the situation [9]. Conclusion - The ongoing refund issues highlight significant challenges within Meituan's payment processing system, raising concerns about user trust and the reliability of electronic payment systems in general [3][6].