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Booked on first RC cruise, sailing in 2 weeks, already regret it

My family and I live in the US and my mother lives in Australia. She booked a cruise for all of us leaving on July 7. The booking was made through a travel agent in Australia. It wasn’t explained at the time of booking, but apparently I now need to pay for all amenities like drinks/internet packages in Australian dollars – and the website does NOT accept my US credit card. We contacted the travel agent to pay through them, but they insist on charging a “foreign processing fee”. I’m a US resident, trying to pay a US company in

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