So, yours would be one of those stateroom accounts that lands with a thud outside of the door on Disembarkation morning?
If it makes you feel any better, we had the opposite happen. When we didn't have stateroom credits, we were more frugal. When we had stateroom credits we felt like we could spend becuase we had the "free" credits from rebooking onboard. That statement was a little bit of a shock to the system because I really thought we hadn't spent that much over the credits we had (OBC & pre-purchased).
This cruise, I'm already starting to buy stateroom credits. DH got one for Valentine's Day, and he'll get more for Easter, Anniversary, Birthday, Chirstmas, etc. I figure with pictures, Palo and other expenses our statement may resemble the NYC phone book.