my parents have one and they are getting rid of it. last year they got a thousand dollars off there cruise because they had used their card alot. this year they only got one hundred dollars off because they said because they were getting the past guest rate you could either get that rate and get 100 off or just use your card and get about 200 off.
I would not recommend the card to anyone who is thinking aobut getting it. I got one last year while on the cruise because it used to be a great deal but i am getting rid of mine as well.
hope this helped.