Instruct: Classify the given online banking query into its corresponding intent.
Query: I requested a refund from a merchant several days ago, but don't see anything showing up in my account yet.  Can you check on your end to see if the money has reached you guys?
I have received my statement but I do not see my refund, why is that?
When will the transaction post to my account?
This fee shouldn't be there after I paid with a card.
My payment has been returned.
Can you explain your refund policy, please?
What are the rules for using disposable virtual cards?
After I got my cash, I found out my exchange rate was wrong.
Does a US transfer take long
I recently reported my card as missing/lost, and I just found it. Can I still use it?
How long does it actually take for a card payment to go through? There's one stuck since a couple days already that doesn't seem to move
There is money missing from my account.
I notice a transaction a couple of weeks ago in my account, from a seller that I don't recognize. Is there a way we can trace back the information to make sure it was truly something I did?
Help me activate my new card.
How do I get a spare card?
Why did they charge me an extra $1?
I don't recognize this withdrawal on my statement
Can I get a new card with new expiration date in China?
Can you activate my card pls
Can I add other people to my account, so they can top up?
Why have I been charged an extra £1?
Is a bank transfer acceptable for topping up my account?
What is the wait time until money reaches my account?
I attempted to top up my account but it's been frozen in a pending state for well over an hour now! Is this normal? I'm a new customer and this is my first time doing this. I assumed it would be done quicker than this.
I just found out from the seller that my money didn't go through. I checked my account and it was deducted at first but now it's back in my account. Can you  please fix this for me quickly?
Why has my card been declined?