We are going on the Ruby next week, and want to book both Crown Grill and Sabitinis, but we also have $200 non refundable credit and understand that if we book now we have to pay now. So, as I know it can take a long time to get your $ back we wanted to avoid having to apply for a refund, So, has anyone paid up front and received the money back when they got on the cruise and if so, was if refundable or non refundable credit. Any advise will help. I understand that the restaurants book up early and there are 4 or 6 of us. Thank you in advance...