The beauty of AMEX. On a refundable ticket, particularly if issued by the AMEX travel agency, they will charge back CX or other airlines that obnoxiously attempts to kite a bonafide refund for weeks and weeks.
I have rarely needed this, but a Philippine Air, full fare J class refundable ticket with no fees, per the terms at purchase, PAL quoted 6 to 8 weeks to refund. I sent AMEX a copy of the "fully refundable" terms and they charged back and credited the full amount while PAL "investigated"