RCI has better refund for COVID-19 than NCL!! in Norwegian Cruise Line Posted March 11, 2020 Does anyone know the "rules" for the future cruise credit (FCC) for cancelling? Specifically, when you book your future cruise, does it have to be for the same passengers? For example, I am booked (paid in full) on a May cruise with my elderly mother. My mother may not be in a health enough condition to cruise in the future. Would I be able to substitute a different passenger and use the FCC? Since I have time, I don't want to clog the NCL phone lines. I thought someone might have experience with this situation. Thanks!