Country A: this is where airline is based, and where flight origins. Country B: this is where customer is, purchase was made though a travel agent (based in this country), where payment card is issued, and destination of the flight.
In short, airline is not refunding anytime soon for their cancelled flight because Country A allows them to withhold payment for one year. This is different from Country B where in this case they require a refund in 7 days.
- the customer from Country B is under Country A's regulation for this one year refund?
- in case of a dispute with credit card, the credit card will accept the excuse that it is a regulation in Country A even though this is not where transaction occurred?
I'm just a customer trying to understand what is the general guideline where there is billing dispute in an international flight.