I agree it's a huge inconvenience, but airlines do it this way to prevent fraud. When it comes time to refund a ticket, the ONLY information the refund department has is the ticket number, the amount, and the credit card number. They don't have the cardholders name any longer at that point. So, they refund only to the credit card because that's the only payment source they have. They simply don't know whether YOU, or someone else paid for the ticket.
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