Being the impatient person that I am, I ended up called
DCL today to find out why I haven't been refunded for the April 10th cruise, when I've already been refunded from the October cruise.
At first, the DCL agent said I was issued a 125% cruise credit and needed to call Costco to make sure that they processed the refund on their end. I told her that I have an email from Costco saying they cancelled it on 3/16/20. After that, she said she could look further into it. When she came back on the phone after a a couple minutes, she said that there were 2 refunds processed for it. One on 3/24 and one on 3/26 - I am assuming the deposit and then the balance. Odd that they are processed on different days, but that doesn't matter. She said normally it will take 7-10 business days to see the refunds posted to my credit card, but it can take up to 60 days this time.
The recording when I first called said that they are having all their CMs working from home right now. At any rate, I am feeling more secure knowing that my refund is coming. Money's just tight right now. I actually need that money to use towards keeping our business open.