TLDR: Customer service was amazing and we're re-booked!
Thank you everyone for all your help! I expected to get the whole fare back in FCC ($2300), but I ended up randomly getting two credit card refunds for $1416 total, but still hadn't seen a FCC come through. Finally called RC and told them the situation, the CS rep was amazingly polite and helpful, and he was able to re-book the cruise (48 days from sailing) and take full payment from me, minus the remaining FCC amount that hadn't been issued. He pushed the final payment date to July 7th and told me to call back if I didn't have the FCC by then. The next day, I got another confirmation email from RC showing the cruise paid in full and FCC applied. Yippee! We are SO excited. Now... fingers crossed that our flights don't turn into a sh* show, since we're flying across country and arrive at 12:50am on the day of departure.