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The Victory is one of my favorite ships, I've cruised on her twice. Both experiences were excellent. As for your Funpass, I usually use my credit card, but also set aside some cash or Traveller's Cheques before the cruise, and put it on my sail & sign account on the first day. Therefore, I have a buffer before anything goes on my credit card. If you don't use your initial deposit, you will receive a check for the balance on the last night of the cruise. You can then go to the Pursers desk and they will cash the check for you. I hope you enjoy the Victory as much as I did!