<prompt> Human: I purchased a ticket earlier this morning on AA. Ive since learned that Im no longer going to be traveling on this trip. Ive called AA and spoken to an agent as well as a supervisor asking for a refund. Citing the 24 hour cancellation law, I asked for a refund to my card. They refused, saying that I had the option to hold the ticket for 24 hours and therefore they wont refund AA is the only airline that complies with the law in this manner, rather than offering a 24 hour refund grace period. I never fly AA, and there was no indication that I had the option to hold for 24 hours, so I was unaware of that when booking. Ive asked politely for a refund to my card, but theyre offering me a voucher. Im currently waiting to hear back from a supervisor on whether or not Ill be able to get the refund.If I do not get the refund to my card, I am considering disputing the charge with my credit card company. Does anyone have any experience doing this, with airlines or otherwise? Advice for or against this option? Does this negatively affect my credit?  <response>: If thats a legal way to follow that law, then disputing it would be fraud. You cant dispute something just because you have buyers remorse or plans change.rlegaladvice 