im missing 10,000 reward credits

It should take about 96 hours for the credits to show as pending.

I also have this issue. I spent 500 x2 on the 10,000 credits and 250 x1 on the 5,000 credits. In my rewards it says redeemed, but the balance does not show up on my pending credits and the balance also hasn't hit my Xbox Live account. But my gem balance
shows that I purchased those packs. So in all I am missing 25,000 credits.

Hi ChadK123. The 10,000 Rewards Credits are pending in your account and will be deposited to your Microsoft account on April 12th.

Hello,

Due to a large amount of users claiming prizes at the same time, you may have seen an error message as a result. We see you claimed your prize a few days ago and they are currently pending on your MyRewards page. From the FAQ:

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 will not be able to deliver your Rewards Credits until the deposit issue is resolved.

I just got the same error again while claiming 5,000 Reward Credits.