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I've had a similar no-issue experience, but have held the card only since my Carnival Dream cruise in June. I don't know what may factor into having a good or bad experience, but:

- I applied for the card while on my last cruise, and got a 5000 point signing bonus, no problem.

- I pay the card off every month, using the online site.

- Since being issued the card in June, I've collected $50 "payment" credits (not OBC) three times.

- I think the interest rate is 13%, which is higher than my other card, but since I pay my balance each month, is no big deal.


Of course, I've never had to call the customer service line, so perhaps that's where the communication breakdown happens?


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