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I just cancelled a cruise. It was a casino cruise that I had made $400 deposit that I was to get back as on board credit. I received a email from christine duffy saying I could cancel. I was assured that I would receive a refund. I just got the refund confirmation. It says nothing about the $400 dollars only that the taxes and fees will be refunded. I says not to call..... Does this seem correct? 



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Yes, your port fees and taxes will be refunded to original form of payment. The rest will be FCC minus any penalties (if you are being charged a penalty).

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Did you book using $400 FCC or did you book with a credit card using $400?
If you paid using a credit card using $400, then it seems as if you should receive $400 back to your card.
I would call if you paid the $400 with a credit card.  It may be they think you used FCC to book the cruise. 
Here is the relevant part from the email sent by Carnival:
Option 2:   If you are not comfortable waiting, you may cancel any time between now and March 31, 2021 and receive a full refund to your original form of payment.  
  • If you booked with an FCC, you will receive a refund for any amount paid above the FCC.  You will retain the FCC (and the accompanying OBC) as long as your next cruise is booked by September 30, 2021 for a sailing departing by April 30, 2023.  
  • Taxes, fees and port expenses, Carnival Vacation Protection, pre-paid gratuities, pre-purchased Carnival shore excursions, beverage and Wi-Fi packages, and Fun Shop purchases will also be automatically refunded to the original form of payment.
  • If the cruise is eventually cancelled, and your booking did not already have an FCC/OBC, you will notbe eligible for the rebooking offer made to guests who remain on the sailing. 
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