I booked through an NCL Personal Cruise Consultant, who was able to get someone from Worldpoints Benefits (credit card) rep on a conference call so it was all pretty seamless. However since you are sailing so soon, you might have trouble getting an upgrade. If you cannot get an upgrade, and do not want to get cash, make sure that your points don't expire before you can use them and if you are close to expiration, make sure to use the NCL card to book cruise and for all onboard charges, and then just take cash for the points that will expire soon. You can call MC to find out when your first