Also, airlines usually only hold seats for 24 hours, so your seats will be released back into the system tomorrow. As previously stated, airlines also only hold seats, not fares. So, it is possible that you call back tomorrow and the fare is no longer available. It has happened to me before. Basically, you need to pay for your tickets at the time of purchase, so if you need to wait for the refund money, you'll have to wait 10 more days to buy the airline tickets and hope fares don't rise between now and then. If you have a credit card, you can use that to buy the airline tickets and then just pay off the balance upon receipt of the bill with your refund.