We cruised on Carnival for the third time right before Christmas '03. The ID cards don't have your birthday printed on them but the magnetic strip does contain that info. Minimum age in the casino was/is 18 and anyone 16 and under had to be out of the discos at 11:00pm so your 20 year old should be able to participate in everything w/you except drinking.
Also would like to know what ship & where???