Refund timing can depend on both Walmart and your bank, but here’s what generally happens in the U.S.:

In-store returns are processed immediately, but banks may take 3 to 5 days to update. Online returns take longer due to package scanning. Weekends and holidays can delay returns. Allow a full week before expressing concern about the refund.

Bitcoin's blockchain is highly secured because of its decentralized nature (no single person or group can easily manipulate or shut down the network) and cryptographic algorithms (creating unique, complex codes), which are nearly impossible to hack.

Certain exchanges, including personal wallets, pose vulnerabilities. For long-term holdings, don't store your assets on exchanges. So for larger holdings, it's advisable to use hardware wallets. Always use strong passwords and enable two-factor authentication.

For you, I guess Chase Sapphire Banking Debit Card and SoFi Checking & Savings Debit Card would be the best. As these both cards provide offers, discounts on hotel bookings, and cashback on travel bookings, when you book through their travel booking platforms.

To save more money, you can join hotel loyalty programs (Hilton Honors, Marriott Bonvoy) and book through travel websites (Expedia, Booking.com) that offer you extra discounts.