That would be the way shore excursions work. Purchase in advance using OBC or a credit card. But on board the system just processes the purchases again using non-refundable OBC first and if any pre-cruise credit card payments do not get used, they become refundable OBC..   The onboard account statement may look confusing, but that is how it has worked (so far).   I am, sure that psychologically people who have paid for something in advance feel they had better use it whereas
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