The same thing happened to my family (cruise in May cancelled; took FCC for July and... cancelled). So I feel for ya. Here's what Royal's not telling those who take the future cruise credit (as it was explained to me by travel agent). If you take the FCC it's immediately converted to a voucher just like an airline voucher. Once you convert to the FCC it really has no monetary value like you and I would think. This credit/voucher is only good from the company you purchased it from (American Airlines, Delta, etc.), or in this case Royal Caribbean. So anyone who took the FCC and is in a similar situation is bound to Royal Caribbean. Unfortunately from what I was told (again by travel agent) once a person takes the FCC option it's either use it, or loose it. So we're now booked on a cruise in June 2021.