I purchased and returned a used gun from Galazan's this month and my credit card was credited 6 business days after the gun was returned. Cabella's takes about the same amount of time on gun returns. I think your money is safe with Galazans, but a faster refund would be nice.
The gun I purchased was not up to my expectations, I felt the discription was inaccurate. It is never a problem returning a gun to Galazans no questions asked and that is a good thing.