yep! I had a Covid cancelled cruise that was paid on my Carnival Mastercard which I only used for cruises. Didn’t use the Carnival card for 2 years and Barclays closed it on me (fine, no big deal. Carnivals reward points system is s*** compared to most other credit card reward systems). Called Carnival about the refund, which they said had to be credited to the canceled card, they had to wait for it to kick back, then I had to wait for them to mail a paper check.