My opinion is they are totally unethical regarding refunds. One experience I can share is regarding air ticket cancellation. First they denied receiving the amount from airlines. When countered with all details they accepted the it with some illogical reason and now postponing the refund citing system issues ( not able to explain what system issue ) from last 3 months. Sad part is there is no escalation matrix followed and CC executives will give you all misinformations so that you drop the call understanding they too are helpless. Shame
