I can offer a slightly different experience. When I got off in February from our 28 days to the Caribbean, I did not receive a final bill, as is customary. I though nothing of it as I had been monitoring my on board spend via interim bill printouts and expected the normal automatic charging on disembarkation day. However, when my statement came in, I realised that they had not charged my card. I felt no great need to pursue them on the matter - nice be on the smooth end with Cunard for once and not be left holding the sticky end. However, all good things come to an end and last week I got the call from a "Revenue Specialist" in Southampton. She initially suggested that perhaps my card had been declined and after a robust exchange, then offered profuse apologies for their failure to deal with the issue more effectively. For my part, I was happy to pay my dues and just grateful that they called me and not vice-versa!