I think its also a issue of if the hotels credit card machines are functioning to issue refunds not really if the bank is. I know in good times it takes a long time to get those sorts of things back online and the bank to replace or come fix or reprogram. Lets face it, some properties just won't have the money to refund and even more so if they are not going to reopen. Some did not have insurance , some did not have enough and then the issuance companies will not pay out quickly and want to under pay or deny parts of the claim. A lot of infrastructure has been badly damaged too and your dealing with a lot of work and in some cases low productivity. Island time can work for you and against you. A month or more may seem like a long time to wait but in many cases they are still digging out.