Originally Posted by
JBG89
... AA however, they are stating that a part of the fare was on hold in my account to be used within 365 days...
This is standard practice, non-refundable fares can be changed on payment of a fee, and you have one-year from original date of issue to use the value. Ask Chase's insurer if you can file another claim if the credit expires unused, but why wouldn't you use it?