The IRS ask that you please wait 5 days after the refund has been sent, since banks vary in how and when they credit funds. https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions
Its been 4 months since the IRS deposited my refund. I don't have a card, or a refund. I call to report my card "never received" and the automated line asks me for the card number to which I'm referring..
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