There was a lot of refunding going on due to the pandemic, and it was slow due to the volume. Many of us waited; we got out Princess refund right about the 90 day mark. Some got impatient, and there were suggestions in the various cruise line forums to get the refund quicker by using the method of a credit card dispute. Some warned that this might very well work quicker to get your money back, but there would be consequences. And now we can see one person, the OP, who suffered the consequences.