Back to travel refund...
When EU announced restricting travels from Americans at the end of June, Norwegian Airlines cancelled our September flight to Paris the next day. I called Chase, and got our refunds right away.
We also paid a local travel agency for the inland 10 day trip, so I also asked Chase about that refund. Their answer was I have to wait for their cancellation email before they can help me, so I waited.
Few days ago, I finally received their email that the trip is now officially cancelled. But, they can't refund back to credit card company for it is more than 6 months old. Paypal is the only option. But, I do not have a working account with Paypal anymore.
So, I called Chase back and now they can process for me. They said the temporary refund will show on my account for 2 billing cycles. They will work with the travel agency on the actual refund. If they rescind their cancellation, I will not get to keep the refund. If they are not responding after 2 billing cycles, I can then get to keep the refund. This is all very strange to me. But, I think I am likely getting to keep the refund since I have the email from the travel agency. We will see.