https://www.desidime.com/discussions/query-abt-emi?page=1#post_9543937
which bank credit card you're using?
- some banks don't treat the refunds as payment, so in this case, you might need to pay the full amount.
- but most banks treat any credit as payment, so in this case, you might not need to pay any amount, as the EMI is converted on the 9th Sept, thus I assume, the full amount is refunded on that day, and the EMI will be charged on that day or from next month.