<human>: Hey gang,

Last Friday (Black Friday), I purchased furniture from a local furniture store and had to cancel the next day, last Saturday.  I used Visa (my checking account) as well as my AmEx.  I had buyer's remorse having to use the AmEx and decided to wait on the purchase until I had the proper funds set aside.  Here it is, a week later, and I still haven't seen a single penny given back to either account.  I called the store last Saturday, this Monday, Wednesday, Thursday and about to call again because I'm now stressing out.  Their "policy" is that there's a one-day holding period after cancellation, and the refund should appear 3-4 days

Yesterday, I called my bank to see if there have been any pre-approvals sent their way from the store's bank, which there were none.  While on the phone yesterday, I obtained the reference numbers for each credit.  How should I talk to the store today when I call?  Can I ask for cash refund?  Call AmEx and bank to report?

Provide a brief overview of the text.
<bot>: called furniture store multiple times after cancelling purchase last Saturday, I have yet to receive refund though they say it should have arrived this past Wed or Thurs.  How should I proceed?