I have a $1000 FCC from a cruise I took in May, as well as a $250 cruise next certificate. I was looking to book an inside room on a Panama Canal cruise in Dec, the base fare is 1050 and taxes/fees/gratuities come out to about 750. NCL said the balance was $1000+, and that the FCC is only good for the base fare, and there is a limit to how low they will allow the fare to be discounted. Basically, out of the 1000, I can only use 500 or so, unless I upgrade. Has anyone had any experience with this happening before?