I spoke with a HAL agent this morning and he said the reason our refund had not processed yet (3/21 cruise/3/14 cancellation) was that there were amounts going to 2 different credit cards and those take longer to process. I can't figure out why that would take longer as HAL can clearly see which $$ go to which credit card, but that's the latest excuse. Talked with our cc today and they said they will absolutely take the dispute even though the initial deposit was paid in July 2019 and the balance in 12/2019. Don't know how long this will all take, but I'm not waiting any longer while HAL does