Thanks for the great detail on your reply. So basically you can use the $100 towards a deposit or onboard credit. As I see it this is only an advantage if you are booking a cruise at least 6 months or so in advance and not 3 months away. All you are doing is posting a $100 on board credit on your credit or debit card that yo will use to travel on if you are working on a short cruise date. Is that right?