This all seems quite simple to me, AIRNZ is exploting a loop hole that creates have and havenots.The have's protection of DOT and EU get refunds, the havenots no protection get credits. At the end of the day customers have the option to stay loyal or not to do so.I chose to walk away from AIRNZ a while ago and now glad I did so as my new *A programme is doing a far better job in similar circumstances. As an example simple stuff like rebooking with no fees or charges and a nice thank you of 3000 mile bonus to boot. No way do I have that sort of flexibility with AIRNZ.