Further to Peregrina's explanation, this was our experience with credits.
We hadextensive Shipboard Credits from Viking outlined on the contract, some of which were allocated to excursions and the remainder for onboard spend. All these were non-refundable credits. All were shown in MVJ, but only the amount allocated to excursions wasavailable to use prior to the cruise (note - we have included drinks, grats, etc). The credits from our TA were refundable credits and were not shown in MVJ, we only saw them once aboard the vessel.
Once onboard the ship our remaining Shipboard Credit showedas "Refundable" or "Non-refundable". The non-refundable was any credits provided by Viking and the refundable was amounts from the Travel Agent or any cost re-imbursem*nts. Although some credits were shown as "Spa" and others as "Shops", when onboard their were no restrictions on where they were used.
If you cancel a pre-booked optional excursion the credit shows on your account depending on how you paid for the excursion. If you used Shipboard Credits, it shows as non-refundable, but if you paid with a credit card, it shows as refundable credit.
We found that all shipboard purchases are automatically charged to non-refundable credits first
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