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Why not to use a debit card on a cruise?

Debit card This method of payment is not recommended. If you use a debit card, a request for pre-authorization will be made by the cruise line to ensure the availability of funds. This request will freeze the pre-authorized amount for up to 30 days.



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With a debit card, the money is already gone from your checking account, and you're trying to get your own money back. Debit cards are more vulnerable to fraud than credit cards, according to the Identity Theft Resource Center in California, a nonprofit consumer education organization.

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Credit cards often offer better fraud protection With a credit card, you're typically responsible for up to $50 of unauthorized transactions or $0 if you report the loss before the credit card is used. You could be liable for much more for unauthorized transactions on your debit card.

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How do I pay for purchases onboard? All onboard purchases are paid for using your cruise card, which doubles as your room key. This card is set up before boarding and serves as your ID to get on and off the ship, provides you access to your cabin and makes for easy swiping when you decide you need a pina colada.

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You probably won't need much actual cash while onboard, as many cruise lines will just charge purchases to your account. Even ship casinos these days have cashless credit systems. On nearly all cruises, passengers are given an itemized bill at the end of the trip listing all charged expenses.

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Most passengers put the charges on a credit card, which is often the quickest and most convenient method.

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Using your cell on the ship For most people, the best piece of advice is to put your phone on airplane mode before your ship sets sail out of port. This prevents your cell from trying to stay connected, thereby eliminating roaming charges.

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