We will be setting out on our first family cruise the day after Christmas this year. We chose a Disney cruise because my BIL took his family on a cruise and they seem like a lot of fun. We simply contacted his travel agent (they specialize in Disney vacations), told them what we want and need and then made a deposit. They forwarded us an e-mail with our itinerary. Since then I have discovered the DISboards and caught wind of the concept of on-board credits. Should we have OBCs? Do we need to ask about them? What should we expect. If it makes any difference, we booked our cruise last May. Thanks!