Staff members lack of knowledge caused me a huge inconvenience.

On Saturday I visited the Foschini in Cresta and asked for a refund on two items that I had bought. I specifically told the lady that I needed a the cash from the refund and would like to put the same items on lay bye instead. She proceeded with the refund and asked for my card which I handed to her. Shortly after that she was done with the refund, and I was surprised because she had not handed me my cash back. After asking her she tells me that she put the money back into my credit card and that it would reflect after a day or two and that it is stated in the T's and C's that a refund would be processed in the same manner as the purchase was made. While I understand and accept this, my issue with this is that: 1. I was using a debit card not a credit card and she didn't bother to ask. 2. She did not inform me that the money would take "a day or two" to reflect in my account before proceeding with the so called reversal, even after I had informed her that I needed the money urgently. 3. it was a weekend day and electronic bank transactions usually work on a working day basis so this could delay the money coming back into my account even further. 4. It is Tuesday today and I STILL DONT HAVE THE MONEY BACK INTO MY ACCOUNT. 5. As a staff member she should have known all of this but she does not and now her incompetence has caused me a huge inconvenience. 6. She did not apologise for not asking whether I would like my refund to be in cash or not. 7. I want to know WHEN AM I GETTING MY MONEY BACK FOSCHINI???!!!