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Accepted, not refunded. When the refund request is accepted, then the game or DLC will be removed. After that you can continue to play the game.
After submitting the request, the clock does not stop so if you were to keep playing before the approval of the refund, then it could effect your ability to refund said product.
Correct.
http://store.steampowered.com/steam_refunds/
Any account changes will delay the request.
Doesn't matter if it is local or not. That is normal for external payment sources.
What holiday was on Oct 20, 2017?