lowa_sony

if the seller refund, then the amount will refund to your credit card directly. If the seller only return u the $$ (not refund), the return amount will transfer to your paypal account. You can transfer the  $$ to any of your HK bank accounts for your paypal account. If over hkd1k no charge at all, but if under hkd1k will have charge, but I forget how many %% it is Call paypal and ask la