I had to make a down pmt on a service using Paypal & my credit card. Well, I canceled the order, and I received an automated e-mail yesterday from PP, saying I was refunded. But nothing is on my card's activity list yet, and the initial charge was made on my last statement, so I'm paying for it +interest. How long does the refund take to process, or is it in some Paypal credit acct. that I don't even have (didn't sign up w/PP for the transaction)