Well, i did a very stupid thing. I somehow managed to pay the full balance on my cruise instead of a 1.00 deposit! I ‘m still not sure how i did it, i think my card initially didn’t work so i was bounced to my account and i must just not have paid attention. The good news is i contacted my cruise consultant and she was able to take care of that today and get me the refund. She says refund could take 15-20 days. Is that true? In any event, my visa statement doesn’t close until dec 23rd so fingers crossed the refund comes through by then. Anyways, just pay attention! And i would recommend contacting your cruise consultant instead of main line but this is my first experience with this.