If a refund occurs after an original Visa charge, what may occur on the cardholder’s statements?

• A. A debit on one statement and a credit on the next
• B. A single combined reversal on the same statement
• C. Only a credit with no debit
• D. No entry until after 30 days

Answer: (A)

When a refund is issued after the original Visa charge, the posting timeline drives how it appears on statements. The original purchase posts as a debit on the cardholder’s statement. If the refund is processed afterward, it is recorded as a separate credit in a later billing cycle, so it shows up on the next statement. This creates a debit on the first statement and a credit on the following one. The other scenarios would require unusual timing or processing, which isn’t the typical posting pattern: a single combined reversal on the same statement is less common due to batch processing, a credit-only entry ignores the earlier posted debit, and waiting 30 days isn’t how standard posting works.