coolbeans202

I recently booked two tickets on united.com and then cancelled them within 24 hours (Oct 4th). I am about 90 percent certain that I selected "return to form of payment" rather than "credit toward future travel," but I have not yet gotten a refund to my card, and when I check the cancelled flight online it gives me the option to "Use future flight credit." So I have a couple of questions:

1) Is possible or common for someone to select a refund but be issued a credit?
2) If the mistake is mine, and I selected the wrong thing, is it possible to have it changed and a refund to card issued?
3) If I'm stuck with the credits, can I combine the credits for the two tickets (issued to two people) and use on a single ticket?

Thanks in advance for any help you can give! I was going to just give United a call but I imagine the call center is busy dealing with hurricane related stuff, so I don't want to bother them for another couple of days.