I read through all these responses and, yes, my head is spinning. It looks like HIA results in double points - 7 day cruise/7 bonus points. Similar but different question - I am going on a 14 day cruise next month. After much checking on rates, the travel advisor booked me in a higher cost fare without HIA (we dont drink alcohol so that package doesn't fit us) but with $1K of OBC and free gratuities. Ok, now in this scenario, will the $1K (that we have already spent on excursions) and the $448 of gratuity count in bonus points of 5? I, too, am close to moving from 3 star to 4 star and would like to be a 4 star by my next scheduled cruise later this year.