noob question from a first time cc user

hello po, i'm a first time credit card user. my card is bank initiated from BDO and it was an amex card. now, i have questions regarding my encounters po upon payments using the card.

1st encounter: ginamit ko po yung card ko for lazada payment. and then nag cancel yung seller sa order ko. sa refund details, may nakalagay na certain range of dates kung kailan ko mareceive yung refund. sure po ba na on those dates ko mareceive yung refund?

2nd encounter: first time ko po magbayad ng outstanding balance ko. yung for the month of july. sinubukan ko magbayad thru maya. hindi po ba agad nagrereflect sa bdo online app na nagbayad na? mga ilang days po kaya bago magreflect yun?