Interesting theories, but my wife, who gets great casino offers, doesn't work, has no credit history, no financing history. The vast majority of her purchases, including her stupid purses, are via cash transfer. How does carnival track that?
I spend at least 3-5 hours a night in the casino during a cruise and she just comes in for the free drinks and doesn't spend a dime. But yet, she's the one that gets the great offers including free balcony rooms, drinks and OBC. While I get diddly squat...