squierjosh Posted October 24, 2017 #1 Share Posted October 24, 2017 I've always just paid for cruises upfront, but I've never really booked them that far out. Our next cruise is not until Jan 2019 on Carnival. I managed to get enough discounted gift cards from AARP (10% off) and plan to use those to pay for both cabins we booked. Is there any reason I should wait to pay off the balance. I have until November 2018 to pay. The gift cards don't expire. Thanks! Link to comment Share on other sites More sharing options...
Rare Keith1010 Posted October 29, 2017 #2 Share Posted October 29, 2017 If your cruise line provides any discount for paying early that would be a benefit but very few do. Keith Link to comment Share on other sites More sharing options...
Rare sparks1093 Posted November 2, 2017 #3 Share Posted November 2, 2017 The only benefit would be having it over and done with. If you already have the gift cards might as well get it over with since the money is spent anyway (just a note that if you end up cancelling the refund will be in the form of Carnival gift cards). Link to comment Share on other sites More sharing options...
RaiderCruiser Posted December 8, 2017 #4 Share Posted December 8, 2017 Ditto the others. Other than a discount for an early pay(very few have this offer) there's nothing financially beneficial. Link to comment Share on other sites More sharing options...
paul929207 Posted December 8, 2017 #5 Share Posted December 8, 2017 Some people like to geet it paid off so they don't worry about it or spend the money intended for the cruise. Link to comment Share on other sites More sharing options...
julie3fan Posted December 21, 2017 #6 Share Posted December 21, 2017 One reason to NOT pay it off early is in case an offer comes around for discounts on gift cards or offers from your credit card company. Other than that, no downfall to paying off early. Link to comment Share on other sites More sharing options...
MrsPete Posted December 28, 2017 #7 Share Posted December 28, 2017 One small reason why you might opt to pay early: IF you're paying with a cruise-line credit card, you're earning points that might be traded in for OBC. Paying early might allow you to "cash in" more OBC for your trip, whereas if you wait 'til the last minute, your points might not be credited to your account in time to "cash in". Personally, I "set my bills to pay" with online banking ... and I always set them to pay a day ahead; call it paranoia, if you like, but I never pay anything late or incur late fees! I set cruises to pay a week ahead just to be safe. The cruise lines don't always show the best business sense, and I feel more safe giving them a few extra days to "credit" my account -- and that means I can check online and "see" that all is well. Should I have to do this? No, but it's easier to pay a week ahead and head off trouble. If you take money out of your savings account and pay your bill months ahead of time, you're really not losing a lot of money in terms of interest. Link to comment Share on other sites More sharing options...
Rare Gail & Marty sailing away Posted December 28, 2017 #8 Share Posted December 28, 2017 No not at all, the price might go down. Link to comment Share on other sites More sharing options...
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