Whether someone else can use your cruise credit (often called a Future Cruise Credit or FCC) depends entirely on the specific cruise line's transferability policy in 2026. Generally, most FCCs are non-transferable and are tied to the specific passenger's name and loyalty account ID. However, there are exceptions: if the credit was issued due to a line-initiated cancellation, some companies allow you to apply the credit to a new booking where at least one of the original passengers is still sailing. Some lines, like JetBlue (for travel bank) or certain boutique cruise operators, are more flexible, but the "Big Three" (Carnival, Royal Caribbean, and Norwegian) typically require the credit to be used by the individual to whom it was issued. If you cannot use your credit, it is worth calling the cruise line’s guest relations; in cases of documented medical hardship or death, they may allow a one-time "name change" or transfer to a family member, though this often incurs a fee and requires significant paperwork.