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  1. I've had the Bank of America RC Visa for many years (I know, it's not the best, but it's what I have). Many of the points were going to expire this year so I thought what better time to plan a cruise I had enough for $500 OBC. Redeeming them on the MyCruise Points page was simple but getting them applied to my booked cruise was not. I called RC customer service and was told by two different reps the points absolutely could not be applied to the cruise until "about 2 weeks" before the cruise. At that time, they would appear in my cruise planner and I could use them. Ok, but I'm a crazy planner and wanted it applied today, not in three months so I could continue planning. I ended up calling the Visa redemption number at 1-888-305-4626 and told the rep I would like my points applied to my booked cruise as soon as possible. After being on hold off and on for 15 minutes, he told me they would be applied this afternoon. I logged on about an hour later and the OBC was there! The rep told me if I needed to redeem more, to call them instead of doing it online and requesting it to be added to the reservation. I hope this info helps someone.
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