Pay with cash or credit cards....

[Crusin6]

I've always been confused about debit card drama. We use our debit cards for everything, including onboard cruise charges. Periodic small holds are put on during the cruise but on departure day the total amount due is deducted and all the holds are gone.

 

 

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Don't be confused

 

With debit cards it's your cash that's at risk of hacking etc that could cause all sorts of ramifications

 

With credit cards you have zero liability and it's the banks cash at risk

 

 

 

 

 

 

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[bjcruiser]

One of the ladies I am cruising with just bought OBC. If she ends up not using all of it does she get it back on the last day or does she have to wait for the refund?

 

Thank you

[luckyinpa]

you must bring some cash. at hog penny in bermuda they had issue with their CC machine and thankfully i had enough cash. wonder what would have happened otherwise.

Edited January 9, 2017 by luckyinpa

[Laid Back Lenny]

What do most people use when in port? Is it safe using a credit card in Central America, Mexico, etc., or is it better to bring cash for meals and souviners. Do you bring cash to use in the casino on board or is there a better option?

[Lionkingrichard]

Ok here is the best way for you to do it and make everyone happy!

Use your CC to secure your on board account!:cool:

 

Pay all pending charges with Debit card before leaving ship!:p

 

This is harder on a Disney ship. When your account hits $500(if I remember correctly) they charge your CC. Have come home to see many DCL charges on my bill. You don't prepay for excursions only after you take them.

 

I hate cruising. lol;)

[sanger727]

What do most people use when in port? Is it safe using a credit card in Central America, Mexico, etc., or is it better to bring cash for meals and souviners. Do you bring cash to use in the casino on board or is there a better option?

 

 

I bring cash to use in port. Keep it in the safe and just take what you need each day and keep it on you. Is it safe to use a credit card? As safe as the US or the internet. Credit card fraud happens all the time; that's why I don't use a debit card. Downside of planning on using a credit card is a. There's usually a foreign transaction fee, b. Not everyone takes them, c. It's not unusual in other countries for them to charge a credit card fee surcharge. I bring the cash I think I need and a credit card for emergencies in port with me. Make sure you tell the bank your card is issued from that you are going out of the country. Many will shut your card off if it's used in another country unless you put a travel alert on it.

 

 

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[luddite]

Ok here is the best way for you to do it and make everyone happy!

Use your CC to secure your on board account!:cool:

 

Pay all pending charges with Debit card before leaving ship!:p

 

This is harder on a Disney ship. When your account hits $500(if I remember correctly) they charge your CC. Have come home to see many DCL charges on my bill. You don't prepay for excursions only after you take them.

 

I hate cruising. lol;)

 

Never, ever use a debit card for this.

[Laid Back Lenny]

I bring cash to use in port. Keep it in the safe and just take what you need each day and keep it on you. Is it safe to use a credit card? As safe as the US or the internet. Credit card fraud happens all the time; that's why I don't use a debit card. Downside of planning on using a credit card is a. There's usually a foreign transaction fee, b. Not everyone takes them, c. It's not unusual in other countries for them to charge a credit card fee surcharge. I bring the cash I think I need and a credit card for emergencies in port with me. Make sure you tell the bank your card is issued from that you are going out of the country. Many will shut your card off if it's used in another country unless you put a travel alert on it.

 

 

How does the casino work? I would guess just like the ones back home - bring cash and go to ATM when it is gone. Correct?

[kayjay76]

How does the casino work? I would guess just like the ones back home - bring cash and go to ATM when it is gone. Correct?

 

From everything I've read and asked yep, seems to be the way it works. Pay with cash for casino.

[Lionkingrichard]

Never, ever use a debit card for this.

Why is that?

 

You don't trust NCL to make a one time debit to your card?

 

There will be no holds as you are paying your bill in full!

[luckyinpa]

from the official NCL page

 

Norwegian does not recommend the use of a debit card as payment for your onboard folio. However, if you choose to pay with a debit card, please be advised that Norwegian obtains pre-authorization which some banks may hold for up to 30 days.

 

Using your debit or ATM card

Norwegian does not recommend the use of a debit card as payment for your onboard folio.

Please be advised that multiple holds will be placed on your debit card account based on your onboard purchases.

After settling your onboard folio, these debit card holds may remain on your account up to 30 days after the cruise ends.

To avoid overdraft charges from your bank, please make sure that you have enough available funds in your account during this hold period.

Norwegian will not be responsible for overdraft charges resulting from holds placed on Debit Card accounts.