We were on the Disney Wonder (Nov 28 - Dec 2) and I lost my photo package card on the 2nd day. I went to Shutters and spoke to the manager and he replaced my card right away. No hassles. However, while getting my photos on the last night I overheard a gentleman yelling at the staff at Shutters about the photo card and that no one told him he had to keep it and he didn't know where it was. He seemed to have more of a hassle to replace his card than I did but I guess it is all about how you approached the situation. I know in the future I will be keeping my card in a safe place like I did with my replacement.