There is absolutely no way that I would book a cruise or any other travel-related service until the pandemic and economic situation is much clearer. Way too many variables, including getting stuck with a credit for future travel which cannot later be cashed out because the cruise line is bankrupt and you are, by then, way beyond credit card bankruptcy chargeback protection deadlines.

We also have no idea what cruising will look like that far out and what J air travel will mean. Is this still something you will want?

Finally, don't be enticed by premium credits. If you are offered a credit at 125% of cash paid, who is to say what the cruise will cost a year later? If the cruise price increases by 25%, you have lost the additional value.