Thanks for the reply WineCountryUA. I paid $288 Canadian dollars for that ticket. I guess in the fare rules it said there was a penalty of 280 HKD for canceling (so that is like $38 Canadian dollars). After the penalty, I have $250 Canadian dollars in credit with United. Basically, this credit will just go to a "change fee"? Oh well. I'll try booking with them in the near future, and see how far this "credit" will take me. LOL.