If you think paying on time would have gotten you a better deal, then you may want to re-think your travel "agent". Any Travel Consultant worth working with stays on top of payments and when they are due.
My agency has a steadfast policy to make the deadline for final payment 1 week prior ro when the cruiseline requires it. We also stay in contact with the client from 1 month prior to the payment date to keep the payment deadline in mind.
It's called CUSTOMER SERVICE - and you are entitled to it.
DS -