A refund goes back to the card it was charged to, not to your wallet, and appears in that card's balance once the merchant actually sends it. How long that takes is the merchant's decision rather than ours — several days is normal, and some take considerably longer.

The card has to still be open. If you close a card before a refund arrives, the money has nowhere to land and has to be traced by hand. If you are expecting one, leave the card open until it appears.

Once it lands, the balance is yours: spend it on that card, or close the card to return it to your wallet in full.

If a refund you were promised has not arrived after a couple of weeks, send us the merchant name and the date of the original charge.