Bank problem on board account

[Cruisin Dave]

I think this story is a hoax.

 

I agree.

[Mikew0805]

No, YOU allowed this to happen. You knew exactly how much you had and now you have run up a 5000$ tab ;)

 

You are clearly not paying attention.

 

Good luck to the OP

[Mikew0805]

There are so many oddities with this story, I don't really know where to start.

 

Hindsight is 20:20, but hopefully this story will continue to convince people that debit cards are the absolute WORST way to handle money. My bank tries to give me one and I refuse it.

 

Paranoid much? While I would not use if for a cruise/travel, there is no reason to not use one at all, and certainly not the WORST way to handle money. :rolleyes:

[Langley Cruisers]

...While I would not use if for a cruise/travel, there is no reason to not use one at all, and certainly not the WORST way to handle money..

 

Agreed, Mike. We use a debit card at home so we do not have to carry cash. We change our PIN number often, and our bank will cover us for any loss. In fact, we were compromised once some years ago and we got back every penny. We do not use debit to travel, but prefer a mixture of cash and credit. We find it a very responsible way to handle our finances.

[setsail]

You are clearly not paying attention.

 

Good luck to the OP

 

You must be right, Royal forced this person to spend thousands on the ship:rolleyes:

[RDC1]

So I talked with guest services and they said they'd call the police in Ft Lauderdale if I couldn't settle it by the end of the cruise.

 

I have an emergency American Express at home that I left specifically for my friend. He is pet sitting my cats and it is there in case they needed to go to the vet. I turned my phone on and had my friend send a picture of the card. They won't take a number of a card, they said the only way is to swipe it.

 

I can't have a friend or family member deposit that much money. I am sick and this is ruining my trip real quick.

 

Is there someplace where American Express can send you a new card such that it would be at the port when you return. Talk to customer service and see if it can be sent a port agent who can deliver it to the ship when it arrives back it port.

[Mott1086]

Give the friend who is watching the cats your bank account number.

 

Go to the ATM and get a cash advanced for the money from your AMEX.

 

Have your friend deposit money into your bank account

 

Easy fix

[kruzinkimmie]

While following the OPs story which I'm not sure I fully understand I was wondering if one of you could clarify and answer some questions for me

 

If I link a credit card to my account does the cc company put daily holds on the card or just charge you at the end for what you charge to the sea pass account?

 

Is there a benefit to using cash? Will ROyal cut you off if you exceed the amount of cash ( doesn't sound like it from this story)

[oregand]

I think this story is a hoax.

 

it all seems very strange, but why would somebody make this s**t up?

 

I think only some parts of the story have been told

[novicetraveller]

This thread should be shortlisted for a CC award of some kind. :o

[JamesEM]

I'm think this is one of those case where it is he said, she said, and what actual happened.

[sr4mjc]

Okay, Props, I will try to only address your question/immediate issue. If I understand your situation correctly...

• you used your debit card to set up your onboard account
  

• Royal has hit your checking account for 4 holds of $500
  

[*]Your onboard bill now totals $3000 (an amount which completely baffles most of us, but nevertheless it is not our place to judge nor to question.) Your bill is your bill and Royal is demanding payment of the additional $1k

 

[*]Your bank account is now frozen due to an unrelated fraudulent $2k in charges

 

I think the 4 $500 holds are the not from Royal, but the fraudulent charges that are took up the 2k that Royal should have gotten.

 

"4 separate $500 charges to a "KSDDF". USBank won't refund or credit until I come in and sign an affidavit because I called and told them not to freeze my card because I would be traveling international."

[TulipBee]

I'm with others - I suspect there is more to this story.

 

Trivia for the day though - there are a number of religions who have an objection to the concept of interest, and therefore can only enter into credit arrangements where there is no interest to be paid. So there are people out there who choose not to utilise credit on the grounds of religion :)

 

I, on the other hand, travel with a back to the back up! :rolleyes: paranoid traveler, spread them out in different bags to just in case one bag is lost or stolen.

 

And, as a wise person once told me, if you cannot afford travel insurance, you can't afford to travel.

[cheezwiz]

More to the story? There probably is, and I suspect that may be partially intentional but also perhaps due to the OP's anxiety about the situation. I'd know I'd be nervous and probably not the best writer in these circumstances. I did look back at the OP's other posts and he/she seems to be on the younger side of the cruising crowd (late 20s), employed in the travel industry and does mention attending the casino regularly.

 

I would guess that one some posters have called out as stupidity might be a lack of experience and the contingency planning that many of us learn through some life lessons. I hope this eventually turns out ok for the OP. All that said, I'd pass out if I ever learned that my seapass account got up that high!

[Great 2 B at Sea]

It will be interesting when, and or if, the OP ever comes back to tell us "the rest of the story!" We haven't heard from him/her in a while. If this is a true story, I hope it all works out......and if it's a troll.....you certainly got our attention! :eek:

[happy traveler69]

my knowledge is that the cruise line will front a limited amount of money, rcl is $500. once you reach that limit, no more charging privileges until you pay what is owed, then another $500, and so on. this is if you have a cash account or didn't put anything on the books with a credit/debit card. with a card, there's a hold on the card (not sure what the limit is). I use cash.

I'm not sure how $2000 was able to be charged on the OP account with it being cut off at $500.. this story doesn't seem right. come on back, OP, and tell us what happened.

[dwhe]

This thread should be shortlisted for a CC award of some kind. :o

 

Best in fiction category.

[Desert Cruizers]

I have not chimed in on this discussion but here we are on page 4 and has the OP returned to let you know the outcome. I am beginning to think this thread was started to get a discussion going. How long was this cruise he supposedly was on, if only a week, how anyone could create that much charges is beyond me.

[Reader0108598]

Paranoid much? While I would not use if for a cruise/travel, there is no reason to not use one at all, and certainly not the WORST way to handle money. :rolleyes:

 

Judge people much?

Why can't we all state our opinions with out the childish responses?:rolleyes:

 

Reader

Edited January 29, 2016 by Reader0108598

[hansolosmom]

I just hope the OP got off the ship and gets things worked out.

 

We all make decisions at different times in our lives and sometimes things work out and sometimes they don't but we learn from them.

[Big_G]

I just hope the OP got off the ship and gets things worked out.

 

We all make decisions at different times in our lives and sometimes things work out and sometimes they don't but we learn from them.

 

Rumor has it he's mopping floors in the galley on the next itinerary. ;)

[sr4mjc]

my knowledge is that the cruise line will front a limited amount of money, rcl is $500. once you reach that limit, no more charging privileges until you pay what is owed, then another $500, and so on. this is if you have a cash account or didn't put anything on the books with a credit/debit card. with a card, there's a hold on the card (not sure what the limit is). I use cash.

I'm not sure how $2000 was able to be charged on the OP account with it being cut off at $500.. this story doesn't seem right. come on back, OP, and tell us what happened.

 

OP didn't have a cash account, it was a debit card.

[leisuretraveler223]

Paranoid much? While I would not use if for a cruise/travel, there is no reason to not use one at all, and certainly not the WORST way to handle money. :rolleyes:

 

No, not paranoid at all. I just have very strong feelings that most banks are in fact pretty evil, and that debit cards are one of the most powerful tools they can use to suck your money out of you. At the same time, in this era of constant security breaches, I would much prefer some hacker get my credit card number. Since I receive real time notifications, I can block charges and any amount already run is not my problem. If your debit card gets compromised, they can clean you out and you're S.O.L.

 

The ONLY argument in favor of debit cards over credit cards is in the very rare instance of a pathologic spender with a track record of getting into serious financial trouble with credit. But even this is only the most extreme of cases, as most are better off with a low limit card.

 

Using a debit card because it's "easier" than a credit card is simply a bad financial decision.

[ryano]

If your debit card gets compromised, they can clean you out and you're S.O.L.

 

.

 

Oh really? SOL huh? Maybe with your bank you are. I would NEVER use my main checking account card to secure a Seapass account but my Master Card debit card (which my bank treats the very same as their credit card when it comes to unauthorized charges) has been compromised twice and the money was put back by the close of the same day. Can your credit card company do that? Once I signed the affidavit via fax. Id suggest you look for another bank.

Edited January 29, 2016 by ryano

[DeadPhish]

No, not paranoid at all. I just have very strong feelings that most banks are in fact pretty evil, and that debit cards are one of the most powerful tools they can use to suck your money out of you.

 

Just curious, how is it they suck money out of you?