Same, except I put no cash down initially, they will let you run up $500 at a time. We don't spend much on board, but if we ever hit the $500 mark I take my AMEX down to GS and have them run it for the balance, easy peasy, no holds, and absolutely no way a charge can be added post cruise. The last night I go down to GS after we pack up, usually around midnight, there are no lines, and have them run the card for the final balance.