Breezer-
It was Spirit Airlines that started this, and they were a new start up. I got nailed in Copa, with Codeshare United flight. Taca before it changed to Avianca also had these rules.
The issue is, each check in agent has to decipher what the rules are and how to apply, and thats where it becomes a issue. Do you think AA makes money when you buy a Fully Refundable Ticket at the Check In on order to adhere to a rule, then you cancel 24 hours later for a full refund?
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