Have you completed your Cruise Personalizer, including registering the credit card you plan to use for your onboard account? The charges don't post until the end of the cruise, but when you pre-reserve, the charges go right to your onboard accout.
We've always been able to pre-reserve at 120 days, but who knows--maybe the policy has changed. Princess should be able to give you an answer at (800)Princess; have your booking number ready.
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