Credits haven't deposited and it's been over 96 hours.

The credits should show as pending on the rewards site after 96 hours. Once pending, they remain pending until the following 15th or 30th of the month. Since you redeemed them on the 4th, they would be scheduled to deposit at the end of the month.

Hello,

From the FAQ on Vault Credits:

I claimed Rewards Credits from the vault. When will I receive them?

If you claim Rewards Credits from the MyVIP Vault, they should appear as pending in your account within 96 hours. Once they are pending in your account, the normal deposit process kicks in. Generally if you have over 5,000 Rewards Credits pending in your
account in the first half of any given month, that amount will be converted to your local currency and deposited into your Microsoft account on or around the 30th of that same month. If the Credits show as pending in the second half of the month, that amount
will be deposited into your Microsoft account on or around the 15th of the next month.

Please note you need at least 5,000 Rewards Credits pending to automatically trigger a deposit, though you can request a deposit for the next scheduled date as long as you have 1,000 Credits pending. Also, if you have ongoing issues with us depositing
into your account, such as your account not matching up with your billing location, you might want to consider choosing a different prize from the vault, as we won’t be able to deliver your Rewards Credits until the deposit issue is resolved.

The credits should show as pending on the rewards site after 96 hours. Once pending, they remain pending until the following 15th or 30th of the month. Since you redeemed them on the 4th, they would be scheduled to deposit at the end of the month.

You're right, I just checked. Thanks for your assistance.

If it's been over 96 hours, the credits should show as pending on the MyRewards section of the site. They would be deposited into your account for use by the following 15th or 30th of the month after.

It takes 96 hours for credits to show as pending, but not deposited after 96 hours. Credits are deposited by the following 15th or 30th of the month after you have at least 5,000 credits pending. Generally if you get to 5,000 between the 1st and 15th, they
are deposited by the 30th of the month. If you get to 5,000 between the 15th and 30th, they are deposited by the 15th of the next month. So they would be scheduled to deposit at the end of the month.