You have to hand it to Jack Kent Cooke. He's got it -- and he flauntsit.

He recently suggested he might have to take his team away, unless the citizens of this area provide him with an indoor playpen. Last week, season ticket holders who took seriously the Redskins' announced willingness to refund the cost of tickets for the struck-out Cardinals game {Sports, Oct. 2} got another lesson in Cooke-style customer relations.

Some club owners arranged to issue refunds by mail. Not Mr. Cooke.

Some clubs would have tried to make the trip to RFK Stadium relatively painless. Not Mr. Cooke. Refund applicants found long and barely moving lines stalled in front of the three (that's right, three) ticket windows that Mr. Cooke deigned toopen.

Some clubs would have figured out a single way to handle the transaction. Not Mr. Cooke. On-the-scene clocking showed that it required approximately four minutes per customer to get through the rigamarole the Redskins management had concocted: after tickets were turned in, first a card file and then a computer printout had to be checked by the harried ticket agents before a handwritten receipt could be filled out and delivered.

Since many ticket holders had to wait more than 2 1/2 hours to go through this fandango, they had plenty of time to figure out that Mr. Cooke 1) has been collecting interest on their ticket payments since last spring, and 2) will continue to collect interest on that money until sometime after the first of the year, or maybe longer if refunds are applied to next year's season ticket costs.

The Redskins ought to greet ticket holders the way a small-town banker greets his biggest depositor. Instead, they treat them the way railroads used to treat people who tried to buy tickets for the train.

Well, for those who either could not or would not spend several hours waiting, there was at least one consolation: Mr. Cooke won't be able to sell their tickets a second time to some other sucker.

On second thought, that's small consolation. I'm sure Mr. Cooke will think of something.