Booked our cruise back in January before COVID for a September sailing. Chatted online about changing and/or canceling due to concerns of COVID. I was told that either way I would be charged the 100.00 fee. I was trying to get this taken care of before my final amount was due for our cruise, because I know how difficult it is getting money back once it is taken. They wouldn't budge on the fee. Even though Carnival itself was offering free cancelations before final amount was due. So, we changed the card on file to one that we don't keep a lot of money on. Thank God we did, because two weeks after the final payment was due, Carnival canceled all September sailings. I will always book directly through a cruise line from now on. This broke me from ever dealing with a place like this.