Cred App — Payment Failed.

On 1st Feb, 2021 I have done a transaction of Rs 125315/-via Cred app towards my HDFC credit card bill payment using Sbi internet banking facility. My Sbi bank account got debited after authorisation over OTP.
But the same time I got another message from Cred app that "payment of ₹ 1, 25, 315.00 for your HDFC Bank credit card 5523-65XX-XXXX-6773 failed. Any amount, if debited from your account and received by CRED, will be refunded. Order id is K9EXP21VNK".
But still i have not received my refund. I have requested cred many times that on 6th Feb I ll getting charged for late payment & finance charges that is going to be appx 8k. But they only reply it will take 7 working days.. In that case I ll loose my credibility in Hdfc bank I have never been late to my bill payment.
Who ll bear these charges. Cred app should take the responsibility.please get me out of this..why refund takes so much time... I also wanna know the reason why my payment get failed. My email ID is [protected]@gmail.com