https://www.siliconvalley.com/2022/05/23/travel-troubleshooter-i-canceled-my-flight-to-frankfurt-but-now-i-cant-use-my-credit/

DEAR TRAVEL TROUBLESHOOTER: I booked three tickets from Charlotte, North Carolina, to Frankfurt on American Airlines from Military Fares. I even bought coverage that allowed me to cancel for any reason and receive a refund.

I received a $2,060 ticket credit that had to be used within a year. But when I tried to use the credit, a Military Fares representative told me I can only use 25% of the future travel credit at a time. So, in other words, I have to spend $10,000 to use my $2,000 credit.