We paid off our Cruise back in November. We alway pay off early and book all shore excursions asap. We also have have enough Ship Credit to cover anything needed there. We have thought many times that we were glad it was paid for, or we might now book now. In the last month prices have dropped $300.00 per person. I just love getting $600.00 back at this point!! That will just about pay for our drive up the 101 to Vancouver.