We've had our NCL credit card for about a year and a half. Only redeemed the points once so far. After 6 months, we got a $500 certificate to help pay for our trip on the NCL Sea last May. We requested the certificate, which came in about 2 weeks, sent it to our TA, who forwarded it on to NCL. They promptly applied it to our account and we made our very small final payment
Since then, we've been accumulating our points. Our final payment for our trip on the Jewel is due in either July or August, and after our next statement we'll have the 1,000 in points needed to pay the final payment. I'll be requesting that certificate within the next couple of weeks, and can update you with how that process goes. We do owe slightly less than the $1,000 -- so I'm hoping to see a small credit put back on our card.