payment pending

For billing assistance you'll need to contact support directly. 1-800-4my-xbox if you're in the US/Canada or http://support.xbox.com/contact-us

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.

There was no deposit scheduled for the 15th of this month. The first deposit took place on the 8th so you did not have the credits in time for that deposit. They should be deposited with the end of the month deposit which is scheduled for the 22nd.

Keep in mind that credits are scheduled to be deposited by the following 15th or 30th of the month after you reach 5,000 pending. So generally, if you get to 5,000 between the 1st and 15th, they are deposited by the 30th. If you get to 5,000 between the
15th and 30th, they are deposited by the 15th of the next month.

Hi MelloGI! My name is Ricardo an independent advisor ready to help you with this situation!

If the status of the payment says pending it's necessary to wait for it to either be completed to be able to refund it as while it is pending the payment it's still on the bank side

It varies depending on the bank. It can sometimes be 24-48 hours or so and in some cases it can take up to 30 days.