How long does it take for money to hit my card after I request a refund

So does this mean when apple approves refund or take time to reflect on you bank account … and how can I report back to apple that I have not received the money …

For information about the time a refund may take, see the following from: Check the status of a refund for apps or content that you bought from Apple - Apple Support

When will I get the money back?

If your refund is approved, the funds are applied to the same payment method that you used to buy the item. Here's how long it takes for a refund to appear on your account or statement:

Store credit—It might take up to 48 hours to see the refund in your Apple Account balance.

Mobile phone billing—It might take up to 60 days for the statement to show the refund. Processing time might be affected by your carrier. You can contact your carrier for an update.

All other payment methods—It might take up to 30 days for the statement to show the refund. If you don't see the refund after 30 days, contact your financial institution.

mc286 wrote:

So does this mean when apple approves refund or take time to reflect on you bank account … and how can I report back to apple that I have not received the money …

It is the time it may take after Apple has approved the refund.

See: Contact - Official Apple Support