As a system, when a merchant credit check was performed earlier in the day and a chargeback response of 5000 (expected credit) was returned, the dispute should pend for 20 days and search for a merchant credit

1. When a merchant credit check has been done on the same day and hits a inflow merchant credit check it skips merchant credit check.
   1. Verify it is skipped in Disposition Case
   2. Verify it is skipped in Process Liability
   3. Verify it is skipped in Chargeback Delay
2. When a merchant credit check was performed earlier in the day and a chargeback is submitted and rejected for 5000 code (expected credit) the dispute should not exit the merchant credit check flow until the pend time is completed.
3. When a merchant credit check was performed earlier in the day but a user has manually pended for merchant credit check, it should not exit the merchant credit check flow until the pend time is completed.

Resolved an issue where in QFD Version 23.03 we update the merchant credit logic to not perform a second merchant credit with the same day. This fix ensures that if a merchant credit check was performed earlier in the day and a chargeback response of 5000 (expected credit) was returned, the dispute will pend for 20 days and search for a merchant credit.