I have come across a problem that I feel SCC could have warned its clients about that Seabourn unlike Crystal or Silverseas, for example, both cruise lines which SCC have booked us on in the past, appear NOT to include their on board credit at the time advanced bookings of shore excursions become available. Furthermore, no notice is made by SCC that unlike Crystal and Silverseas, for instance, advance bookings as far ahead as 9 months perhaps longer, have to be paid for by credit card without the benefit of being able to use on board credit. This had led to extensive confusion amongst its passengers (read online comments) about whether their credit card will be reimbursed using on board credit. There are reports of on board credit with Seabourn not be credited for advanced purchases of shore excursions. This is not acceptable where on borad credit is relied upon for shore excursions.