Your refund is always issued back to the payment method that you used to place your order. If you chose to pay with a credit or debit card, the payment is actually made directly from your bank account so the refund will also be issued directly to your bank account. Therefore it does not matter if your credit card is no longer in use.
If you have closed your bank account, you can simply contact your bank once you have received your refund confirmation by e-mail and they will re-direct the transaction to the bank account of your choice.