2-3 days. If you are a credit card of China Merchants Bank, it takes 2 days to record the credit card payment, which can be found through the unpaid bill of China Merchants Bank's online banking. Once the transfer is completed, your credit line can be restored. As long as the credit line is restored and the card status is normal, you can swipe your card to shop. However, your cash advance limit can only be restored after the deposit arrives.