The last refund I got took about 3 days to show up on my CC, it was later on a Friday though so the weekend and close of business day could affect that. Really it's up to your banking institution/CC company and how they handle that stuff as well as how quickly Disney releases the funds. Disney could take a week and then your CC pushes it right through, or Disney could take a day and your CC holds it for several days, you just never know but I've never had it take longer than 3-4 days.