Regarding this question, when using UR to pay for a cruise you have to use all the points you want to use all at once, at first payment. If you book directly with Chase then first payment is due at deposit and you'd have to use all the points you want to at that time. You could try to book directly with
RCCL and then transfer it to Chase but I'm not sure if they still allow a transfer without payment. They changed the phone tree system and I couldn't figure out how to dial a direct extension when I made payment on our cruise the other week, so I'm not sure if you can get in contact with the agents that allowed payment later like we could before. Some agents when accepting a transfer required that all your UR be used at the time of the transfer - IIRC the one agent called our DISer up when it was transferred to take the payment right then - other agents followed that path that it wasn't due until final payment so you could transfer and then pay later. I got one of those but I haven't been able to contact him since (tried one email with no response and then I can't get to his extension). He is still listed as the TA on the reservation but the agent that answered the queue didn't seem inclined to transfer me to him and just said they could make my payment. It worked for me, but feels like a little more HUCA may be involved than before to get it setup. Once you get it setup doing a payment later seems to work fine still.