Originally Posted by seawolf

The point I'm making is the flight originally purchased being changed to a different flight months/weeks is not a cancellation as far as airline CoC is concern and also unlikely if DoT were to codify cancellation. Will have to see what DoT does.

As for chargeback, before COVID, card issuers unilaterally deciding chargeback in cardmember favor without regards to CoC was not a big deal due to small numbers invovled. With COVID, I think once things settle, there is going to be some industry reckoning between airline and card networks in changing chargeback rules requiring CoC terms to be factored in. On AC thread, there are already some YMMV AMEX reports of denying chargebacks when AC provides a response.