Thanks, It’s all confusing to me… When I go to my account at the website, under beverage packages it says credit CAN be used for beverage packages. Even though I don’t drink, I clicked on it out of curiosity just to see how much they charge. I think what’s there right now is actually left over from pre-SM though… Within that section was also an option to prepay tips. But since I already have about 20% of mine covered I didn’t want to prepay the full amount, which is what it appeared would happen. Also, since this is my first time on Oceania, I haven’t been added to OClub yet. At this point, I’ll just wait until the end of the cruise to pay the tips. The unused credit is not much, as long as none of the excursions are canceled.