Rambler64

Not a hill I'm willing to die on, I've worked with a LOT of credit cards. A refund -can- be processed almost instantly. The customer's bank can delay processing (usually a few days at most). Any other delay is the fault of the vendor, in this case the cruise line. However a refund is authorized (by meeting policy, or granted an exception), once approved, three weeks is unreasonably long. I have no idea why anyone would argue 45 days would be an acceptable amount of time for a communication response to questioning said issue.