easmaryland

Thanks for all the advice and suggestions.  I can actually talk to a real person/contact at the travel agency (if he is still working there).  I will try to contact him now that the 90 days is up and see if he can get my money back for me.  

Thanks for that information.  In my case I cancelled the cruise under the cancellation policy in existence at the time, which was a 75% refund if cancelled more than 90 days in advance.  This was before the cruise itself was cancelled.  So wouldn't they owe me the 75% even though they later cancelled the whole cruise?  

I cancelled an NCL cruise on March 11, before either FCC was in effect or the cruise itself was cancelled.  I have a confirmation email from NCL showing the cancellation, so I did not have a reservation anymore when the cruise itself was cancelled.  I opted to take the 75% refund that was due to me because I was still 106 days from sailing.  I have seen nothing re: that refund coming back to my credit card (90 days today).  I bought the cruise through an American Airlines Cruise travel agent (to get the miles, sort of ironic because I won't be flying anytime soon!).  Because I bought through a travel agent, NCL will not talk to me about my refund.  Not getting any help from travel agent either.  Anyway, I have two questions, if anyone knows.  First, if I dispute with credit card company is the dispute with NCL or with American Airlines travel agent?  It was NCL who actually charged my credit card.  Second and more importantly, I am only due 75% of the charge; I forfeited 25% penalty to NCL.  So what do I dispute?  The entire charge and let NCL sort it out?  Or do I give Citibank the exact amount I am due back even though that is not the charge on my card?  If anyone has been through this type of cancellation please advise.