refund issue - removed bank account details could be the cause?

Requested a refund on subscription but haven't received refund. I am aware it can take up to 30 days to refund to my bank and it hasn't been that long so it could still turn up.

However, I am worried that the refund money didn't go through and will never arrive, because I removed my bank card details straight after the I saw the subscription had been purchased (I didn't buy the subscription so I thought it was best to get rid of my card details incase it was fraud). Perhaps apple doesn't know where to send my refund money since I got rid of my details? I added them back on today but think it's too late.

Please let me know if this is actually a problem, or if apple has probably succeeded in refunding me anyway and I should just wait. If it is a problem, what can I do?

Thank you for your reply.