It's kind of nice. We had a $50 onboard credit (Disney Visa), $175 in Disney Dollars (gotten for birthdays and Father's Day, etc...) and $119 in bonus credits from Disney Visa so that gave us a nice little chunk of change to spend onboard. As others have said, you just stop at Guest Services at a non-busy time and they apply them to your account - painless. BTW, be careful and check the onboard credits, we didn't get ours but when we called they checked with Central Reservations who said we should have it and they then applied it. Glad I checked. Have fun!!