Refunds generally follow the original payment method where the applicable rule or policy requires it. Ask the airline or ticket seller for the approval date, then check card posting separately.
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What to check
Pull up the ticket receipt and look for the seller, payment method, unused segments, and any voucher or replacement you accepted. Those details usually explain why a refund is delayed or reduced.
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What to do next
Ask the ticket issuer for an itemized decision. If the seller sends you back to the airline, use the airline directory to check the official route.
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Official sources
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Your route and travel date may change the answer. Check the linked official rule.