What happens if you get your Club Royale annual tier cruise certificate after the final payment date?

This question is specific to: Cruises

Specifically, with Royal Caribbean, we are not able to alter the price after final payment date. . So if it's not comped, there is a slim chance we can add another offer code/benefit to it, but we can definitely check and see if they'll work within it. If there's any offer that Royal Caribbean would be flexible on, we'd guess it's the annual tier benefit.