We have received credits many times on fully paid trips, usually from referals obtained and applied after the payment was made. GCT and OAT process credits once a month, so depending upon where you are in the cycle, without any other delays, it can up to a month for the credit to be issued to your account, As we do not charge our trips , but rather pay by EFT, we have to check our bank account for payment. There has never been an undue delay or the need to chase down a credit. We have also, unfortunately, had to cancel 2 insured trips for medical reasons and credit was issued to our bank account within less than a month. We have also had credits issued to us, due to price reductions on fully paid trips, that were promptly credited to our bank account. I beleive that the credit date is about 10th day into the new month and the credits appeared promptly after that, usually before we were aware that we were even due a credit.
Except for minor billing errors, which were promptly resolved, we have never had a billing or credit issue with GCT/OAT in 14 trips taken, 2 paid for and cancelled for illness reasons and 2 paid for but not taken yet.