I think MaryLis are saying if BEFORE they cruise but AFTER final payment they accumulate enough points by way of a credit card or some other method to cash in gold points can they do it once final payment is made.

The answer is YES, it is a little tricky but it can be done. I have to send them a check for the redemption. It is MUCH easier to cash them in against the cruise fare prior to final payment.

Gold Points cannot be used for onboard credit at all only as a reduction against a cruise fare and supposed to be done before final payment.

Points are not posted to your account until you disembark the cruise. Normally within one to five weeks depending on how far behind they are running.

50,000 points $200
100,000 points $400
200,000 points $600

First time cruise 5 points per $1 spent on the cruise fare only. Second cruise and future cruises 10 ponts per $1 spent.

NO points for airfare, pre or post, port tax etc ONLY the actual cruise fare after all discounts.