I don't have a lot of time to be online right now so not sure if anyone else already said this.
But I was on a cruise in Nov and bought $500 in casino credit. You had to get like 50 inc. of $10. But I got $100 credit on my AMEX statement. When I was on the cruise, I expected that the $500 would be applied to my ship card to use for gambling. However, they just handed me $500 in cash to do with whatever I wanted. You could use that money to buy souveniers on shore, pay off some of your onboard account, or take it back home with you. I thought this was great.