So did you bother to request a refund from the airline? Does the airline even allow refunds for unused flights or must you reschedule a flight.
Apple Card is a scam, huh? Goldman Sachs Bank is a major financial institution and the Apple Card is a Mastercard credit card. Apple is a $4 trillion dollar company and they have nothing better to do than scam you and steal you money? Really?
It is apparent that you have no clue how a credit cards work. So were you expecting some kind of automatic refund?
Pay your bill and all is well.