The conclusion is that in foreign trade exports, customers' request to issue a creditnote (refund notice) is mainly for quality or quantity issues. As long as the goods themselves are qualified, this will not affect the final settlement process. Therefore, the key for companies is to ensure that the quality and quantity of goods are up to standard. The following is a detailed description of the export settlement method of the letter of credit:

1. **Receive the exchange settlement or receive the payment**: After the negotiation bank has reviewed and verified, it will hand over the documents to the paying bank and wait for receipt After payment, the bank will convert it into RMB and pay it to the foreign trade company, without the need to advance funds.

2. **Regular foreign exchange settlement**: After the preset foreign exchange settlement period expires, the bank will actively settle the foreign exchange into the foreign trade company's account regardless of whether the payment has been received.

3. **Export bill bill (payment settlement)**: After confirming the terms of the letter of credit, the negotiating bank will deduct the interest and convert it into RMB according to the foreign exchange rate for payment, but this requires the bank to bear certain risks.

In the export settlement of letters of credit, the creditnote involves partial refusal or partial payment. When a customer issues a creditnote, it is usually due to quality problems with the goods, but as long as the rest meets the requirements, the company can still conduct partial settlement according to normal procedures. Therefore, it is crucial to ensure that documents and letters of credit are consistent. In general, issuing a creditnote does not mean that it will have an adverse impact on the company's foreign exchange settlement. The key lies in handling the quality of the goods and the terms of the letter of credit.