Since we have a cruise already planned for January, I wasn't really interested in the member cruise until I found out that it fell on our 10th anniversary. Of course that got me to thinking that it would be a nice way to celebrate. 
We have an August use year with only 77 points coming because we borrowed for an upcoming trip. Am I correct in assuming that I can't borrow from my 2008 points to make reservations even though the cruise falls in October?
Assuming that I can't use points to book and I pay in cash, is the entire amount due the day the reservation is made, or is it just a deposit like the other cruises? With Christmas and my sister's wedding next month, the deposit wouldn't be too hard to handle, but coming up with $2K+ in just a few weeks would be stretching it. Trying to avoid the credit cards as much as possible these days.
Thanks in advance!

We have an August use year with only 77 points coming because we borrowed for an upcoming trip. Am I correct in assuming that I can't borrow from my 2008 points to make reservations even though the cruise falls in October?
Assuming that I can't use points to book and I pay in cash, is the entire amount due the day the reservation is made, or is it just a deposit like the other cruises? With Christmas and my sister's wedding next month, the deposit wouldn't be too hard to handle, but coming up with $2K+ in just a few weeks would be stretching it. Trying to avoid the credit cards as much as possible these days.

Thanks in advance!