BE CAREFUL
My onboard REF credit was NOT (read carefully) already applied to my account when I boarded.
LUCKILY, I had read of this problem on the boards (many people have experienced PROBLEMS with their CREDITS on their account when they get on the ship). I had documentation from my TA including WHO she talked to at Disney and, after several days of checking, I did receive the credit. BUT it was <b>NOT</b> automatically on my account. BRING DOCUMENTATION. Once you're on the ship you do not want to have to track down the credit without documentation.
Have a great trip!
Barbara