Any refund for goods or services purchased with the Card Account will be made in the form of a credit to the card. You are not entitled to receive a cash refund. The availability of funds from a return depends primarily on the merchant and how quickly they process your refund. It typically takes 1-4 business days for a refund to show up on your card, but it may take longer. If you feel that your refund is taking too long to show up on your card, then please contact the merchant first.