I have returned merchandise to a merchant who credited my bank card on XXXX. I 've checked my Bank of America account and the credit does not appear on my account on XXXX. This delay may cause an overdraft. I have noticed that it takes 48-72 hours for a credits to appear on my Bank of America account. Is there a time limit for banks to process credits? How is it that a purchase is immediately removed from my account, yet it takes longer for credits? Thank you for looking into this. 
