You could certainly start the process off. But bear in mind, it may be your bank that ends up wearing the cost of the chargeback, so they may play hard ball too....After waiting 14 weeks for AirAsia to process my refund, I get an email from them overnight explaining their current financial stuation and that, because of it, they won't be processing any refunds or travel credits until they can secure new loans to keep them afloat. So, what happened? I check my case number and the case has been closed. Seriously?! Just like that? That means I'll have to keep my eye on their financial situation and see if they successfully secured the loans and then re-apply for my refund, which will probably mean another 3-4 month wait! This is completely unacceptable and, frankly, quite outrageous. I think I have a pretty good case for a cc charge-back now, since they're in no position to offer a refund or travel credits! Would I be correct in assuming this?