UNACCEPTABLE SERVICE FROM CLICKS ONLINE SHOPPING

I placed an order on 21 May 2025 with a delivery lead time of 3-5 days. Order tracking showed that the order was being processed. I called on 2 June 2025 as I had still not received my order. I was told that they will be escalating it and will keep me informed. By 9 June 2025, still no update and no goods. This time, I used that online chat to log my query. By 13 June 2025 still no update or goods. So I called the call centre again and I was told that the order was cancelled by the supplier and I would be receiving an email. The email promptly arrived, and I was given an option to receive a full refund and it would take 15-20 days to process. OR, to credit my Clicks Card. WHY DO THEY NEED SO MANY DAYS TO EFFECT A REFUND? HOW MANY OTHER ARE THEY DOING THIS TO? HOW MUCH INTEREST ARE THEY EARNING?