I will be sailing with Cunard for the first time next month (two different cruises) and I wanted to find out how On Board Credit can be used and if there are any restrictions on its use. Some of my credit is the Stockholder's Benefit which I gather cannot be used for gratuities or the casino. Are there other things it cannot be used for? The rest of my OBC came from the Cunard booking agent; how can this be used? Part of my challenge is that I don't drink alcohol, sodas, coffees, etc. so I'm trying to decide how else I may use it. Thanks for any information.