We got passed a communique from the Fiserv debit-card processing company to its clients that offers some insights for consumers concerned about getting their money back if they have bought tickets on an airline that has gone bankrupt (as several have recently). Here’s the takeaways:

• Chargebacks can be filed on all tickets, whether they were purchased directly from the airline or from a third-party
• You don’t have to take a replacement flight offered by another carrier if you don’t want to
• You have 120 days from the date of expected travel to file a chargeback
• Depending on merchant policy, travel insurance may be transferable or redeemable

(Thanks to mac-phisto!)

(Photo: Getty)

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