It has been a while since I have cruised on Celebrity but we have one coming up in 2023 with lots of onboard credit. It is my understanding that if we are to use it to book specialty restaurants or excursions, we have to wait until we are onboard to use onboard credit to do so. Purchasing an excursion or specialty restaurant package before the cruise means paying for it with a credit card. Is my previous recollection of this policy still correct?