const arr = [ { id: '1',
    refundAmount: 12,
    refundReason: 'second' },
  { id: '2',
    refundAmount: 13,
    refundReason: 'third' } ] //'second, third'
    
const arr = [ { id: '1',
    refundAmount: 12,
    refundReason: null },
  { id: '2',
    refundAmount: 13,
    refundReason: 'third' } ] //'third'
    
const arr = [ { id: '1',
    refundAmount: 12,
    refundReason: null },
  { id: '2',
    refundAmount: 13,
    refundReason: null } ] //'-'