Discovery Bank Reneges on Terms

We booked a cruise on Royal Caribbean via Discovery as we wanted to take advantage of the discount which is offered to all card holders based on their vitality rating. The cruise was booked for mid April but unfortunately COVID struck and we were forced to postpone our trip. The cruise line have issued us with vouchers for a future sailing but until today we still have not received our cash back from Discovery. I have spend countless hours and money trying to get what is owed to me and until today I still have had no joy. If they had transacted within their operating time lines we would have received our cash back before COVID even hit but due to their inefficiencies they had not paid. Today however was the last star as they have just sent me a mail stating that we will not be refunded as we cancelled the cruise!!! Firstly we were on level 5 lockdown and could not have left even if we wanted to and secondly the cruise line suspended all operations hence then issuing us with a voucher for a future cruise. Therefore I am beyond angry with Discovery as this is a blatant breach of their terms! A voucher is as good as us having gone on the cruise. We did not receive our money back from the cruise line and Discovery are just reneging on their terms to get out of paying us what is due to us! So bitterly disappointed and angry at the mistreatment of this mogul towards their customers. No words can express my feelings! You are just a disgrace.