Go Back   Cruise Critic Message Board Forums > Cruise Lines "P - Z" > Royal Caribbean International
 
Register here!
Forgot Your Password?


 

Notices

Royal Caribbean International
NEW! Find Your ROYAL CARIBBEAN Roll Call

Reply
 
Thread Tools Display Modes
  #21  
Old June 19th, 2012, 09:00 AM
peter1975 peter1975 is offline
Cool Cruiser
 
Join Date: Sep 2003
Posts: 294
Default

Quote:
Originally Posted by Familygoboston View Post
I don't understand it completely, because I have high limits and I pay my credit cards right off each month, but I've heard it explained on other threads that the cruise line actually puts a "advance" on a certain amount of money on your credit card.

This is the part I don't quite understand, but it seems like they inform the card issuer that they expect to need say $500 in credit from the card holder. The card then reduces the credit limit by the amount RCL applies in advance. You are only charged for what you actually spend, but RCL makes sure enough is available for what they estimate you'll spend.

This has not happened to us, but other threads mention that it's a problem because if you have a high balance close to the limit, when you get home if RCL has not " released" you from the amount of that obligation ( even if you didn't spend it all) then those folks were getting denials on their CC for being over or too close to the limit. Folks on those threads were complaining that it was taking even several days to a week before Royal settled that and their account went back to " normal".

Again, I'm sketchy on the details, but the upshot is you have to secure your account with either cash, or with a card with a limit beyond what they " think" you will spend ( and they have some way of holding onto the potential for you to borrow that money) so that you cannot spend what you cannot pay.( or borrow) So say you bought a pricey watch in prt with the same CC that you used to check in. You could get rejected for buying the watch because Royal has first dibs. Essentially, they become a creditor, is how it seems.

Maybe someone with a much better command of banking or just a better memory of those complaints could enlighten us!
This happens all the time with many industries: When you pay for gas at the pump your card always gets initially authorized for a larger amount than you're probably going to put in -- possibly $75 or $100. I think it probably also happens at restaurants - so that you can leave money for a tip after they swipe your card and they know it will still go through. This is why those prepaid Visa cards you get (from a rebate, Christmas gift, etc.) don't always work at some places -- because they are trying to authorize your card for more than the balance that's on it.
Reply With Quote

  #22  
Old June 19th, 2012, 09:16 AM
cruiseguy1016's Avatar
cruiseguy1016 cruiseguy1016 is offline
Blue Ribbon Cruiser
 
Join Date: Jan 2007
Location: Webster, NY
Posts: 4,110
Default Placing a hold on your credit card

I have heard many people here say that it happens but I have NEVER had a hold put on my credit card while I was on a cruise. I check my account daily when we cruise to make sure that there are no suspicious charges. If a hold was there, it would show up on my account and there has never been one there.
__________________
Ken

Reply With Quote

  #23  
Old June 19th, 2012, 09:17 AM
jessicalorene's Avatar
jessicalorene jessicalorene is offline
Cool Cruiser
 
Join Date: Oct 2010
Location: Boston Area
Posts: 420
Default

Quote:
Originally Posted by bbbearden View Post
I have also seen people who forget to tell thier CC company they are traveling outside the country. They try to use thier card and a fraud notice is triggered and the card is declined. Last year in Italy, I gave a restaurant a card I had not done that with, it looked like another card, and it was declined for that reason even with a zero balance. I realized my mistake and gave them the correct card. Lesson is let your CC company know where you are going so that you do not get declined, even with an available credit line.
Or sometimes you have my problem where you go to the bank, give them a copy of your itinerary and all the countries you are going to be using your card in on the cruise and it still ends up getting shut off for suspicious activity This happened to us on our honeymoon - thank goodness we had a back up card.
__________________
Lilypie Pregnancy tickers

Future Cruises:
Working on it!


Past Cruises:
Splendour of the Seas 7/14 (Greek Islands & Turkey) Platinum Status!
Enchantment of the Seas 2/14 (Bahamas)
Navigator of the Seas 6/13 (Eastern Mediterranean)
Adventure of the Seas - 5/11 (Western Mediterranean) Honeymoon Cruise
Explorer of the Season - 6/04 (Western Caribbean)


 photo ScreenShot2014-07-21at40148PM_zps253a07c7.png
Reply With Quote

  #24  
Old June 19th, 2012, 09:32 AM
SouthernBelle_N_Louisiana's Avatar
SouthernBelle_N_Louisiana SouthernBelle_N_Louisiana is offline
Cool Cruiser
 
Join Date: Sep 2008
Location: Benton, LA
Posts: 310
Default

Quote:
Originally Posted by reeran View Post
I agree! I think at the end of the cruise when they are calling people by name to the pursers deck it may be to settle up. We always use our AMEX and it has no preset limit. The hotels, cruise lines even gas stations "reserve" a certain amount and then release it. I would imagine if someone was one a tight budget and was close to the limit on the card they could get into trouble with the reserves.
My MIL was called over PA morning of debarkation, but not to settle up a bill... Customs wanted to meet with her about a $7,000 ring she had bought onboard... they were coming to collect taxes on it... I specifically asked them in the jewelry shop if a store manifest of sales would be pulled once we reached the US to give to US Customs and they told me no... bunch of crap!! (And I know there is a family max limit but they advertise all that stuff as tax and duty free when you are in the jewelry shop... )

Ended up my DH (her son) escorted her down there and showed his law enforcement badge and they didn't collect... But point is sometimes they are calling because Customs wants to see passengers on board before they debark the ship...

Lesson here is that that "Tax & Duty Free" stuff on board is not always free....
__________________

CCL Elation April 2006
CCL Fantasy October 2007
CCL Ecstasy May 2008
CCL Legend June 2009
RCCL Voyager of the Seas April 2011
CCL Ecstasy October 2011
RCCL Allure of the Seas May 2012
NCL Getaway June 2014 - Corner Aft PH Haven Suite!!
Reply With Quote

  #25  
Old June 19th, 2012, 09:44 AM
baggal baggal is offline
Cool Cruiser
 
Join Date: Mar 2009
Posts: 1,247
Default

Quote:
Originally Posted by cruiseguy1016 View Post
I have heard many people here say that it happens but I have NEVER had a hold put on my credit card while I was on a cruise. I check my account daily when we cruise to make sure that there are no suspicious charges. If a hold was there, it would show up on my account and there has never been one there.
You would never know that you have a "Hold" unless you exceeded your limit. Its not a true charge. Its just the cruise line telling the bank that they need a certain amount of money set aside for "Expected" expenses. After your cruise, the hold is released.

I have even been in a restaurant/bar (in a college town) where there is a big sign at the entrance that parties of 8 people and more will have to give a credit card when they are seated so that a hold of X amount (I don't remember) will automatically be placed on their credit card. The restaurant probably had issues in the past.
Reply With Quote

  #26  
Old June 19th, 2012, 09:51 AM
baggal baggal is offline
Cool Cruiser
 
Join Date: Mar 2009
Posts: 1,247
Default

Quote:
Originally Posted by temple1 View Post
You are most fortunate that you have never had the - Life Happens - experience. As one person explained she had the money but no checks, a spouse gets carried away at the tables, you bring the wrong credit card, something bad happens while you're away to your debit card.

Life happens. But it goes beyond that - it's their choice, if they want to go into debt up to their eyeballs to pay for a cruise, car, shoes, house, etc. it is their business and the rest of us have no business telling them otherwise.

Sorry to go off on you, but I've read one to many smarmy replies like yours telling folks how they should manage their money, pay for their cruise, live their life, etc.

Stepping off my soap box now, have a great cruise.
Sorry - IMO a spouse getting carried away at the tables, spending too much money on booze, etc. is not a case of "life happens" but irresponsible behavior and worse.

And yes, we who live within our means and pay our bills on time, get to clean up their messes. We've been paying for it ever since the 2008 mortgage crisis hit the fan.
Reply With Quote

  #27  
Old June 19th, 2012, 09:54 AM
MOSusan's Avatar
MOSusan MOSusan is offline
Cool Cruiser
 
Join Date: Jul 2009
Location: Columbia, MO
Posts: 415
Default

Quote:
Originally Posted by temple1 View Post
Another bad thing that can happen to a cc with a perfectly adequate balance - Operator Error.

A few months ago I was trying to pay for something online (of all things an internet security package) and kept putting in the wrong expiration date. I gave up and used another credit card. Fast forward a few days. DH mentions the cc wouldn't work at Walmart, few days later I'm trying to pay a very large vet bill with the same card and it won't go through. I had to use the alternative card. Called the cc company - seems there was some suspicious activity on the card with an internet purchase and there was a block on the card!
Your card might also be rejected because you are doing something outside of your normal pattern. The night that the new ipads were released, my husband was at Wal-Mart at 11:30 pm waiting for the ipad release at Midnight. He had my BOA card and it was rejected so he used his BOA card and it went through. He could have called BOA, but didn't want to lose his place in line.

I called BOA the next day and they said that I normally did not charge $900 at Wal-Mart after Midnight, so the charge was flagged. Now, they weren't really looking out after my interest but their own because if it had been stolen, my liability would have been far less than $900.

Please BOA, I don't need a Nanny!
__________________
Carnival Ecstacy 1996
RCCL Splendor of the Seas 2007
RCCL Serenade of the Seas 2008
Seabourne Spirit - Mediterranean 10/10/09
RCCL Navigator of the Seas 3/27/2010
RCCL Adventure of the Seas 3/27/2011
RCCL Serenade of the Seas 3/24/2012

Upcoming Cruises

Purchased Next Cruist Cert - Children's Braces are wrecking my cruise planning
2014 High School Band Trip to Hawaii - Not going to let the kids go without us!
RCCL Navigator of the seas 3/22/2015
Reply With Quote

  #28  
Old June 19th, 2012, 10:03 AM
gmacruiser418 gmacruiser418 is offline
Cool Cruiser
 
Join Date: Sep 2009
Location: rockledge
Posts: 737
Default

Quote:
Originally Posted by bbbearden View Post
I have also seen people who forget to tell thier CC company they are traveling outside the country. They try to use thier card and a fraud notice is triggered and the card is declined. Last year in Italy, I gave a restaurant a card I had not done that with, it looked like another card, and it was declined for that reason even with a zero balance. I realized my mistake and gave them the correct card. Lesson is let your CC company know where you are going so that you do not get declined, even with an available credit line.
I never thought about notifying the CC about traveling. We have received phone calls after our return to verify the charges we made in the islands, but we have never been declined. Guess we're just not spending enough, lol! usually under 1000.
Reply With Quote

  #29  
Old June 19th, 2012, 10:08 AM
co2stay co2stay is offline
Cool Cruiser
 
Join Date: Jun 2009
Posts: 311
Default

For our upcoming Med cruise, we got a new CC with no foreign transaction fees that is used only for foreign expenses. We will use a different CC for onboard expenses.

All of our CC are paid off each month so available limits isn't an issue for us. We save and save and use CC for points or mileage and always have available cash to pay it off or we don't get *stuff*. Sometimes, life does happen, major expenses, etc. but at this point in our lives, we have the savings fortunately.

While we have tried to teach that to our children, it doesn't work any better than it worked on us when my folks tried to teach us. But they will learn. Just as we did. And having a little more funds help to get ahead. When we were living paycheck to paycheck, floating checks (back when checks were used and took almost a week to clear generally), life was harder and life happens were truly hardships!
Reply With Quote

  #30  
Old June 19th, 2012, 10:18 AM
RickinNYC's Avatar
RickinNYC RickinNYC is offline
Cool Cruiser
 
Join Date: Apr 2007
Location: NYC
Posts: 970
Default

Quote:
Originally Posted by Poorplaya View Post
If you can't pay your cruise tab then you shouldn't have gone cruising to begin with lol.
Personally, I've never had an issue. Be that as it may, what point are you trying to make beyond doing your best to make someone else feel like crap with your smarmy comment? Either answer the question, or contribute in an intelligent manner, or simply close the thread.

LOL, indeed.
__________________

NCL Breakaway - 2/16/2014, 7 day Florida/Bahamas
NCL Breakaway - 12/1/2013, 7 day Florida/Bahamas
Carnival Splendor - 3/23/2013, 8 day Florida/Bahamas
Carnival Glory - 8/25/2012, 5 day Canada
RCCL Freedom of the Seas- 7/15/2012, 7 day Caribbean
NCL Jewel - 2/18/2012, 7 day Florida/Bahamas
NCL Gem - 02/2011, 7 day Florida/Bahamas
NCL Epic - 07-08/2010, 14 day Back 2 Back Eastern/Western Caribbean
RCCL Explorer of the Seas - 07/2008, 10 day Canada/New England
NCL Dawn - 08/2007, 7 day Bermuda/Bahamas
RCCL Majesty of the Seas - 04/2003, 4 day Bahamas/Key West
Dolphin - 07/1984, 3 day Bahamas

"I have the heart of a small child. I keep it in a jar on my shelf."


Reply With Quote

  #31  
Old June 19th, 2012, 10:20 AM
Lauriejl2's Avatar
Lauriejl2 Lauriejl2 is offline
Cool Cruiser
 
Join Date: Jun 2012
Location: Buffalo NY
Posts: 53
Default

Does everyone end up with a cruise bill /huge cruise bill at the end? Is it possible not too?? I mean if you dont gamble and plan to just drink the included drinks and only eat at the included restaurants. Planned and paid for excursions on your own not through the cruise. Are those things so tempting that everyone ends up with a huge bill??? Im kinda afraid after reading all these posts lol Decided to take a cruise because liked the all inclusive idea not really planning on the extras.
__________________
05-01-2014 Disney Dream
05-05-2014 Disney Magic
Reply With Quote

  #32  
Old June 19th, 2012, 10:21 AM
mikechass's Avatar
mikechass mikechass is offline
Cool Cruiser
 
Join Date: Apr 2009
Location: Winnipeg, Manitoba Canada
Posts: 619
Default

I can explain in a different situation how my case was dealt with. We left from our cruise Feb 10th, of this year... They charged someone else with my folio bill, which was $535 for one week. 6 weeks later, I got a letter on plain paper with the request to call a 1-888 number and pay my bill.
I refused to call the payment in over the phone, especially with a letter that has no RCCL logo, or any of the other things I have seen which always looked very professional. ( upcoming mail we have gotten, promotion letters, birthday wishes etc)
Regardless, it is JUNE 19th, and I JUST got the letter I requested from the cruise company on a satisfactory letter, with my reservation number, my expenses and a name and number for someone I can call with my correct VISA number. They weren't in ANY hurry to get my money, and it wasn't even my fault that the bill wasn't paid, as we were told the account was paid in full when we left the ship.
They complied with my request, I was fearful of just getting a random note asking for money, so they send me the correct paperwork and all was fixed but it took a while and they weren't in a rush.
I would imagine if you were legitimately unable to clear things up on the ship itself, they would be good to work with to get things figured out.
__________________
Sailed on
1 Carnival
1 NCL
1 Princess
1 Azamara
3 Celebrity
5 RCCL




Reply With Quote

  #33  
Old June 19th, 2012, 10:29 AM
RickinNYC's Avatar
RickinNYC RickinNYC is offline
Cool Cruiser
 
Join Date: Apr 2007
Location: NYC
Posts: 970
Default

Quote:
Originally Posted by Lauriejl2 View Post
Does everyone end up with a cruise bill /huge cruise bill at the end? Is it possible not too?? I mean if you dont gamble and plan to just drink the included drinks and only eat at the included restaurants. Planned and paid for excursions on your own not through the cruise. Are those things so tempting that everyone ends up with a huge bill??? Im kinda afraid after reading all these posts lol Decided to take a cruise because liked the all inclusive idea not really planning on the extras.
We usually end up with a bill (not counting gambling) at the end of a week that amounts to about $850-1000 between the two of us. We did outdo ourselves a couple of years ago when we went onboard the Epic for a two week B2B. We were celebrating our 20th anniversary, so admittedly we weren't paying too much attention. Ended up with a bill closer to $3000. Ouch. But we had a great time and don't regret a penny spent!

I do know that's not even close to what others have and can spend, but it was a big sum to us!
__________________

NCL Breakaway - 2/16/2014, 7 day Florida/Bahamas
NCL Breakaway - 12/1/2013, 7 day Florida/Bahamas
Carnival Splendor - 3/23/2013, 8 day Florida/Bahamas
Carnival Glory - 8/25/2012, 5 day Canada
RCCL Freedom of the Seas- 7/15/2012, 7 day Caribbean
NCL Jewel - 2/18/2012, 7 day Florida/Bahamas
NCL Gem - 02/2011, 7 day Florida/Bahamas
NCL Epic - 07-08/2010, 14 day Back 2 Back Eastern/Western Caribbean
RCCL Explorer of the Seas - 07/2008, 10 day Canada/New England
NCL Dawn - 08/2007, 7 day Bermuda/Bahamas
RCCL Majesty of the Seas - 04/2003, 4 day Bahamas/Key West
Dolphin - 07/1984, 3 day Bahamas

"I have the heart of a small child. I keep it in a jar on my shelf."


Reply With Quote

  #34  
Old June 19th, 2012, 10:46 AM
Familygoboston's Avatar
Familygoboston Familygoboston is offline
5,000+ Club
 
Join Date: Jan 2010
Location: Boston Area
Posts: 6,797
Default

Quote:
Originally Posted by peter1975 View Post
This happens all the time with many industries: When you pay for gas at the pump your card always gets initially authorized for a larger amount than you're probably going to put in -- possibly $75 or $100. I think it probably also happens at restaurants - so that you can leave money for a tip after they swipe your card and they know it will still go through. This is why those prepaid Visa cards you get (from a rebate, Christmas gift, etc.) don't always work at some places -- because they are trying to authorize your card for more than the balance that's on it.
That explains that! I got a few of these prepaid cards for free as sales come ons and once they've been partially used they almost always reject. On the rare occasions we are given one now, we use it for something more than its worth, because any balance is virtually worthless. It made me realize how many of these financial " tools" used primarily by the financially struggling, are such a rip off!

Quote:
Originally Posted by cruiseguy1016 View Post
I have heard many people here say that it happens but I have NEVER had a hold put on my credit card while I was on a cruise. I check my account daily when we cruise to make sure that there are no suspicious charges. If a hold was there, it would show up on my account and there has never been one there.
It's unlikely if you have a low or no balance and a high limit. I'm sure they figure out quickly who they need to worry about. You are setting up a credit account with them, that probably gives them certain rights to look at your credit, and who knows which laws they are operating under.

Quote:
Originally Posted by Lauriejl2 View Post
Does everyone end up with a cruise bill /huge cruise bill at the end? Is it possible not too?? I mean if you dont gamble and plan to just drink the included drinks and only eat at the included restaurants. Planned and paid for excursions on your own not through the cruise. Are those things so tempting that everyone ends up with a huge bill??? Im kinda afraid after reading all these posts lol Decided to take a cruise because liked the all inclusive idea not really planning on the extras.
My goodness, no! We never end up with a big bill- ( and coincidentally never get upgraded).

You don't have to buy another thing once you are on board. If you don't gamble, drink, shop, or go to the spa, you won't spend an extra penny. Pools are included, bars entertainment is included ( they put a napkin down to indicate you aren't having a drink), entertainment is free, dining is free.

I do recommend that people think and plan honestly about what they might like to spend to enjoy their vacation. So you can say, we will spend $20 a day and either have a drink by the pool, or go to an upcharge restaurant, or buy a photo, or buy 2 items at the $10 dollar sale...whatever makes you happy and helps you enjoy your vacation. This way you have a budget in mind you know you can live with and still enjoy some extra things if you want. Everyone's daily budget may be different. People get in trouble when they say " hey I'm on vacation" and then haven't really put any brakes on based on their own financial situation.

Last edited by Familygoboston; June 19th, 2012 at 10:50 AM.
Reply With Quote

  #35  
Old June 19th, 2012, 10:48 AM
RoofingPrincess's Avatar
RoofingPrincess RoofingPrincess is offline
10,000+ Club
 
Join Date: Mar 2006
Location: Bristol CT
Posts: 10,665
Default

Quote:
Originally Posted by Lauriejl2 View Post
Does everyone end up with a cruise bill /huge cruise bill at the end? Is it possible not too?? I mean if you dont gamble and plan to just drink the included drinks and only eat at the included restaurants. Planned and paid for excursions on your own not through the cruise. Are those things so tempting that everyone ends up with a huge bill??? Im kinda afraid after reading all these posts lol Decided to take a cruise because liked the all inclusive idea not really planning on the extras.
Of course it is possible to leave the ship without a huge bill, especially if you don't
gamble
buy alcohol or soda
buy souvenirs onboard
use spa services
purchase excursions onboard
eat at places other than the included restaurants.

Royal Caribbean is one of the few cruise lines that does NOT automatically add gratuities (for your cabin attendant and waitstaff) to your onboard account (but will do so if you request it). Please don't forget to budget for these as well, if you haven't already prepaid them.
__________________
Cindy WGIG#198-F --> "sea" my pictures HERE
Mustard of the Seas Utility Crewmember & Goodwill Ambassador - East Coast



My Cruises: Atlantic (Premier, a/k/a Big Red Boat), E Carib, Apr 93; Adventure (American Family), E Carib, June 94; Explorer of the Seas, E Carib, June 06; Jewel (Mustard) of the Seas, E Carib, Feb 07; Vision of the Seas (NUTZ 2), Mex Riviera, Oct 07; Caribbean Princess, E Carib, May 08; Carnival Ecstasy, W Carib, Sept 08; Serenade of the Seas (Mustard 2/NUTZ 3), Alaska, June 09; Jewel of the Seas, WB Transatlantic, Sept 10; Carnival Miracle, SE Carib, Nov 11; Jewel of the Seas (NUTZ 4), Canada/New England, Oct 12; Carnival Fantasy, Bahamas/Grand Turk, Nov 13; Adventure of the Seas, S Carib, Jan 14

“The cure for anything is salt water - sweat, tears, or the sea.” -- Isak Dinesen
Illegitimi non carborundum
Reply With Quote

  #36  
Old June 19th, 2012, 10:51 AM
MOSusan's Avatar
MOSusan MOSusan is offline
Cool Cruiser
 
Join Date: Jul 2009
Location: Columbia, MO
Posts: 415
Default

Quote:
Originally Posted by Lauriejl2 View Post
Does everyone end up with a cruise bill /huge cruise bill at the end? Is it possible not too?? I mean if you dont gamble and plan to just drink the included drinks and only eat at the included restaurants. Planned and paid for excursions on your own not through the cruise. Are those things so tempting that everyone ends up with a huge bill??? Im kinda afraid after reading all these posts lol Decided to take a cruise because liked the all inclusive idea not really planning on the extras.
You can take a cruise and have a very small bill at the end. Because we put our cruise expenses on our BOA card we charge our gratuities, winepackage, etc to our bill. Our largest balance was our last cruise It was almost $1000 which included tips for 4 ($326.20), a wine package (about $225), t-shirts from the shop (a tradition), family photos and drinks during the shows. Fortunately, I had $500 in OBC so it wasn't quite as painful. We're not huge drinkers which could really run up the tab.

If you don't want a tab at the end, it is completely doable.
__________________
Carnival Ecstacy 1996
RCCL Splendor of the Seas 2007
RCCL Serenade of the Seas 2008
Seabourne Spirit - Mediterranean 10/10/09
RCCL Navigator of the Seas 3/27/2010
RCCL Adventure of the Seas 3/27/2011
RCCL Serenade of the Seas 3/24/2012

Upcoming Cruises

Purchased Next Cruist Cert - Children's Braces are wrecking my cruise planning
2014 High School Band Trip to Hawaii - Not going to let the kids go without us!
RCCL Navigator of the seas 3/22/2015

Last edited by MOSusan; June 19th, 2012 at 10:53 AM.
Reply With Quote

  #37  
Old June 19th, 2012, 11:14 AM
DebJ14's Avatar
DebJ14 DebJ14 is online now
Cool Cruiser
 
Join Date: May 2000
Location: Texas
Posts: 2,958
Default

Quote:
Originally Posted by cruiseguy1016 View Post
I have heard many people here say that it happens but I have NEVER had a hold put on my credit card while I was on a cruise. I check my account daily when we cruise to make sure that there are no suspicious charges. If a hold was there, it would show up on my account and there has never been one there.
Not all credit card companies show the pending holds. My Chase MC just started doing it about 3 months ago and sent out a notice announcing the change. When I was on a Carnival cruise over Memorial Day I checked the credit card daily and each night there was a hold placed which was approximately equivalent to our onboard charges for the day. The day after the cruise there was a pending hold for the full amount of the onboard bill. So, at one point I had 8 pending holds from the cruise line. It took a week for the last one to drop off. They pending holds were deducted from the available credit. That is not an issue since we have very high credit limits and pay the bill in full each month. I can see how it can be a huge problem for someone with a low line of credit or someone using a debit card.

Last edited by DebJ14; June 19th, 2012 at 11:18 AM.
Reply With Quote

  #38  
Old June 19th, 2012, 11:21 AM
Puffinater's Avatar
Puffinater Puffinater is offline
5,000+ Club
 
Join Date: Mar 2006
Location: Fishville
Posts: 7,896
Default

Quote:
Originally Posted by cruiseguy1016 View Post
I have heard many people here say that it happens but I have NEVER had a hold put on my credit card while I was on a cruise. I check my account daily when we cruise to make sure that there are no suspicious charges. If a hold was there, it would show up on my account and there has never been one there.
Same here. I check my CC account daily and have never seen any type of hold.
Reply With Quote

  #39  
Old June 19th, 2012, 11:23 AM
DebJ14's Avatar
DebJ14 DebJ14 is online now
Cool Cruiser
 
Join Date: May 2000
Location: Texas
Posts: 2,958
Default

Quote:
Originally Posted by gmacruiser418 View Post
I never thought about notifying the CC about traveling. We have received phone calls after our return to verify the charges we made in the islands, but we have never been declined. Guess we're just not spending enough, lol! usually under 1000.
Sometimes even if you notify the credit card they will require a call to verify a transaction. DH was buying me jewelry in St. Thomas. We notified the credit card in advance of the cruise, but when the merchant swiped the card they got instructions to call the credit card company. They did not want to place the call, so I called using my cell phone. I had to verify my identity and the amount of the transaction and the store I was making the purchase in. They then asked to speak to the merchant, got the merchant number from him and gave him the authorization number over the phone. It was a big hassle, but the jewelry was at a price too good to pass up.
Reply With Quote

  #40  
Old June 19th, 2012, 11:35 AM
northcove's Avatar
northcove northcove is offline
Cool Cruiser
 
Join Date: Jun 2012
Location: NY, NY
Posts: 107
Default

I've noticed that my AMEX and BoA (but Bank of Americas' Amex card) are the only two that show pending holds. My Chase Visa, Citibank MC, Barclays MC etc, don't.

So yea, it's very normal for people to not know about it. But that doesn't mean it's not being done. In fact, if you've ever booked a hotel room, or got gas- you can be sure there was a pending hold.

Regarding notifying your CC company when you travel, do it!
Chase cut me off on a ski trip in nothern italy. Barclays won't authroize anything unless i call in and give them my itinerary (i never use them anymore due to this). Citibank is a 50/50 shot outside of the U.S.

The only one that never questions us is AMEX. I can use them today in NY, tomorrow in Croatia, the day after in Hong Kong and never get denied.
Totally my card of choice when I travel.
Reply With Quote

Reply

Bookmarks


Ad Sponsored By
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump


All times are GMT -4. The time now is 07:46 PM.


© 1995 - 2014, The Independent Traveler, Inc. All rights reserved.
"A Community of People Who Love To Cruise"
All of the information contained within Cruise Critic is protected by copyright. You may, however, download a single copy only for your personal use.
Cookie ConsentCookie Policy