I'm sitting on Future Cruise Credits because for the first time in my "cruising career" I booked non-refundable deposits while onboard. (Was never going to cancel the cruises..they were Asia ones)
First two cruises were Sept through October of this year Canada to Singapore and then I had a transatlantic from Rome to Miami for this month that were all cancelled. I cancelled them before the cruise line did because I would have had to pay the final payment when we all knew they were going to be cancelled. Friends who had theirs paid in full, took the 125% for a few of them but then asked for refunds for the rest of their sailings, they had too many on the books and it was too much money to have tied up with Royal Caribbean.