Little confused about this. We are on the March 10 2013 cruise "Dream". My check in date is December 10 2012 but my final payment isn't due until December 25 2012. How can I check in if my payment isn't fully payed??? Last year my check in was after my final payment so no issues. Also if I sign us up for a excursion and then find out 1 month before going we have to cancel, can you do that without a penalty. If I'm not mistaken the money doesn't get removed from my visa until the day of the excursion from Disney. The reason is my DH has been off for 14 weeks without work, he was in a head on collison and then got hit from behind. Last week was his 1st week back to work. Surgery might be in the near future now too, so another 6-8 weeks off.