1. Go to ef to go through the refund formalities and fill out the refund documents. At that time, EF will take back the original contract and invoice and leave them with the student contact of the customer refund agreement.

2. It usually takes 20 working days, that is, one month if it is almost fast, and one and a half months if it is slow.

3. In order to avoid the influence of overdue repayment of the Bank of Communications card on credit and handling fees, go to the bank before the credit card repayment date and pay the down payment by installments.

In this process, make a few more phone calls and ask if the formalities have been completed.

5. Call the Bank of Communications about a month to ask if it has paid back the money.

6. If the full amount is returned, it will exceed the down payment paid at that time in the Bank of Communications account. Whether you can withdraw cash or pay by credit card depends on the staff of Bank of Communications.