Originally Posted by storewanderer

You still never answered if the hotel was closed and unable to perform the obligation of a room to you, or if the hotel is still open and this is a case where you canceled a non-refundable reservation because you have chosen not to travel and they are giving you the refund as a goodwill gesture.

If the hotel is open and it was your choice to not travel, then you do not deserve any refund. You agreed to the terms of a non-refundable refund meaning non-refundable. They are giving you a refund as a goodwill gesture. Frankly, they can take as long as they want to give you the refund. They don't have to give you one at all. But go ahead and file that credit card dispute and risk getting blacklisted from the loyalty program and their properties. Also that will be a black mark against you with the credit card company when you lose the dispute, it may hurt you in the future when you have a legitimate dispute to file there as well.

Step lightly. If the hotel is open.

If the hotel is closed then absolutely file a dispute, that is a legitimate dispute, you just need proof that the hotel is closed and unable to perform the service that they charged you for.