21 day for refund to reflect in my account

<p> A refund was made into my Capitec account. When I logged a query they said it can take 21 days for the refund to reflect into my account, and that is if the merchant that done the refund entered all the rigth detail whan making the refund. This is unacceptable and it leaves my budget out of pocket with the amount. What must I do?</p> <p> </p> <p>I know that the merchant used the correct detail and that the refund was dedected from their account already, why must I wait 21 days.</p> <p> </p> <p>I'm not happy about this, and surely something can be done about this.</p>