We are taking our first Viking Ocean cruise in September. We are looking forward to it. No, I don’t like Viking’s early payment policy, but we were well aware of it when we booked. I wouldn’t rate them of lower quality because of it. This early payment policy may keep us from sailing Viking in the future, only time will tell. We did take advantage of the echeck discount and would hope that other cruise lines begin offering this same perk. Regardless of what sales are occurring with other cruise lines, they have to pay a fee when we use a credit card. I’d love it if they would offer a further discount for cash.