Yes, you can redeem points after the final payment and Regent will simply credit your credit card for the difference.

The BEST VALUE is 100,000 points at a time per person, then you get $400 per person. Note that with 200,000 points you only get $600 a loss of $200.00 So best choice is to redeem at 100,000 at a time per person if you can.

Thanks for printing that chart Kathy.