Why do kids not get cut off with cash deposit?

I just found out (I am on Breakaway) that if if I set up kid account with cash OR OBC they can continue to charge beyond the initial setup. That is such BS because if an adult orders a drink and has run out of money they will get cutoff.

Foul NCL, very Foul.

Sounds like you were misinformed or you misunderstood.

Not sure where you "found out" this info, but just get with the Guest Service desk once onboard. They will provision the key cards as you would like.

Sounds like you were misinformed or you misunderstood.

 

Not sure where you "found out" this info, but just get with the Guest Service desk once onboard. They will provision the key cards as you would like.

It sounds like op is onboard! ;)

I am onboard with my brothers kids but that doesn't matter what matters is why are adults cut off but not children?

Sounds like you were misinformed or you misunderstood.

 

Not sure where you "found out" this info, but just get with the Guest Service desk once onboard. They will provision the key cards as you would like.

No misunderstanding 3 ppl told me the same thing. It's BS

I have a horror story that happened to my sister. I will change the names to protect the innocent. (Actually only one person is innocent) Kim used her debit card to check in and authorized Pat to also make purchases on the card. There was about two thousand dollars in Kim's checking account and she figured that would be more then enough for their drinks and any other miscellaneous charges. Turns out that Pat had a very bad gambling problem and somehow, the casino authorized over $7.000 in cash advances that Kim didn't find out about until she got home. With God as my witness this is a true story and can't understand how they allowed that to happen. My card gets declined when I go over the limit so how was it possible to keep getting cash on a Wells Fargo debit card when there wasn't that much in the account??? The only thing I can think of is that the bank didn't care if she overdrew her account. And as long as the card wasn't getting declined, the casino probably had no way of knowing that there wasn't any money in the bank. I will never use a debit card or allow someone I can't trust to be on my account.

I traveled with my brother who is developmentally disabled. I had no issues removing all charging privileges from his account and put everything on mine. Granted that was a different cruise line but I would expect they could all do it.

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I am onboard with my brothers kids but that doesn't matter what matters is why are adults cut off but not children?

If you are onboard why not ask guest services why they have this policy?

Members of CC can only guess at what happened/why that was allowed...

After they used the cash on their accounts,did it start charging your card? I went on with two teens last year, and I signed a form to keep their accounts 100% separate from my credit card, putting $100 on each of their cards. I was refunded what cash was still on their accounts at the end of the cruise.

(Honestly, I was shocked they didn't go crazy with this privilege. The boy hit the arcade a few times and the girl bought a piece of makeup and a few smoothies at the teen club. That was it!)

I hope this is something NCL is working on. I travel NCL a lot. Last week we were on the Getaway and I honestly forgot to ask if they would cap my son's card. We watched it by pulling up the charges on the TV, but if he went a little crazy, then I would have had to pay. I also worry about things like video game machines not working properly. I was with my son when multiple times a sound was made like it accepted his card, but a credit was not given on the machine. I was there and we swiped it multiple times before the credit showed. We honestly may have been charged $10 for a single credit. I noticed that evening that I thought the charges looked higher than I thought, but I did leave him unattended for a while, so I didn't pursue it with customer service. He and I just discussed it and he decided he would not go to the arcade any more.

Now in October I was on RCCL and they allowed me to cap my son's card. I didn't have to set it up with cash or anything. He would just lose charging privileges when he hit his cap. It was awesome and it worked. I hope NCL can do the same thing. Maybe they can, but I just don't know from personal experience

On the note of teaching kids responsibility. Yes, I agree, but it is also a little bit of a learning process. Think of all those people in our society that have credit card limits where when they reach it, they can't use their card. There are also guaranteed credit cards. People are not all perfect. Would I love my pre teen son to be perfect, of course, but he may make a mistake. Knowing that a cap is possible, I would hope NCL would allow parents to do this.

After they used the cash on their accounts,did it start charging your card? I went on with two teens last year, and I signed a form to keep their accounts 100% separate from my credit card, putting $100 on each of their cards. I was refunded what cash was still on their accounts at the end of the cruise.

 

(Honestly, I was shocked they didn't go crazy with this privilege. The boy hit the arcade a few times and the girl bought a piece of makeup and a few smoothies at the teen club. That was it!)

I've givem my kids charging privileges since they were 8, on many vacations, telling them how much they can spend, or else having them ask me first. Not once have they reached their limit. If they go over, they know they will pay me back, and be in trouble.

Yes,...tell your kids what they can spend....that should do it!

If you can't trust them, keep their ship key with you! Easy!

On our last cruise we were told the child could have charging privileges or not, but they could not cap them. If the cards are linked to a credit card, they will work as long as they (NCL) can keep adding funds. If the cards are all funded with cash, privileges stop when the cash runs out. You'd have to add more cash to start the privileges again.

We let our daughter have charging privileges, but she's only 7 and wasn't going to be without us except if she was in kids club and at that age there's nothing to buy.

I am not believing we are getting the whole story.

1 - Go the guest services and get an answer.

2 - Share the rest of the story with us.

I am calling "foul" here.

On our last cruise we were told the child could have charging privileges or not, but they could not cap them. If the cards are linked to a credit card, they will work as long as they (NCL) can keep adding funds. If the cards are all funded with cash, privileges stop when the cash runs out. You'd have to add more cash to start the privileges again.

We let our daughter have charging privileges, but she's only 7 and wasn't going to be without us except if she was in kids club and at that age there's nothing to buy.

I am not believing we are getting the whole story.

 

1 - Go the guest services and get an answer.

 

2 - Share the rest of the story with us.

 

I am calling "foul" here.

I think that the rest of the story is told by ncklhaus. As long as the entire portfolio is secured with a credit card all of the cabin keys will work unless they are turned off completely. Best thing to do is to put cash on the account and monitor it, when it gets to the limit turn it off yourself by going to Guest Services.

I have a horror story that happened to my sister. I will change the names to protect the innocent. (Actually only one person is innocent) Kim used her debit card to check in and authorized Pat to also make purchases on the card. There was about two thousand dollars in Kim's checking account and she figured that would be more then enough for their drinks and any other miscellaneous charges. Turns out that Pat had a very bad gambling problem and somehow, the casino authorized over $7.000 in cash advances that Kim didn't find out about until she got home. With God as my witness this is a true story and can't understand how they allowed that to happen. My card gets declined when I go over the limit so how was it possible to keep getting cash on a Wells Fargo debit card when there wasn't that much in the account??? The only thing I can think of is that the bank didn't care if she overdrew her account. And as long as the card wasn't getting declined, the casino probably had no way of knowing that there wasn't any money in the bank. I will never use a debit card or allow someone I can't trust to be on my account.

Thus illustrating reason number 9,368 that debit cards are ALWAYS a terrible idea. Never never NEVER give a merchant direct access to your bank account.

There are virtually no excuses for doing this. Even if you have bad credit, pretty much any local bank or credit union will at least let you set up a secured credit card to start rebuilding your credit.

It never ceases to amaze me how many people try and argue that there is a good reason or justification for using a debit card. Just don't do it. NOTHING good can come from it.

I don't think NCL is in the parenting business? I think if you can trust your child, or your brothers child to be responsible, you can give them charge access. If not, no charging and let the parent make the decision. Unless the child has their own credit card, there is no mechanism to fund them independently. They will be secured with your credit card unless the whole family goes cash only, then when the money runs out, it shuts down for everyone.

I think the OP wants to have a single account for the child that is independent from the family. NCL cannot hold a minor responsible for a debt, therefore, it must be tied to an adult account.

...I think the OP wants to have a single account for the child that is independent from the family. NCL cannot hold a minor responsible for a debt, therefore, it must be tied to an adult account.

Oh no.

Another person that thinks they need to be a responsible parent. What is this world coming to!

LOL!

After reading all the posts, I am confused. If NCL takes cash for the kids onboard account, should not the card be unauthorized and be refused when the limit is reached? I know that happens on other cruise lines. I found out the hard way NOT to set a limit.

I don't think NCL is in the parenting business?.

This.

I don't think NCL is in the parenting business? I think if you can trust your child, or your brothers child to be responsible, you can give them charge access. If not, no charging and let the parent make the decision. Unless the child has their own credit card, there is no mechanism to fund them independently. They will be secured with your credit card unless the whole family goes cash only, then when the money runs out, it shuts down for everyone.

 

I think the OP wants to have a single account for the child that is independent from the family. NCL cannot hold a minor responsible for a debt, therefore, it must be tied to an adult account.

Not true. I signed forms for each of the teens traveling with me to have their accounts severed from my charge card on file. They had cash accounts set up and once that was done, it was done.

I'm glad so many of you raised "perfect"children that never made a mistake. I taught high school for 25 years and im sorry to say, kids make mistakes.

I have a pre teen, he is very responsible, sometimes arcade equipment is at fault and sometimes a child is at fault. Now I couldp be labled an NCL cheerleader, but not on this issue.

Other cruiselines will set up a block after a certain amount that you the parent can request. It doesnt have to be a separate cash account, it still charges to the parent credit card. I know from personal experience as of Oct 2014 on Royal Caribbean.

Im sure NCL could do the same thing, but they choose not to. Im not asking NCL to parent, but if another cruiseline can do thi, it tells me they could also.

This may be a case of NCL trying to nickel and dime as people accuse, i never have, but in this instance i see it as a way to get more money from parents.

Signed a Non Perfect Parent, who knows that children are not perfect, but trying very hard to raise a good, respectful and responsible child

They all have bank accounts funded by birthday money, Christmas money, etc. However, if they didn't, I'd make them work it off. There are five of them, and not once have any of them gone over the limit. Why would they - they know they would definitely get caught.

Your sorry reminded me about when our middle son started to play goal in ice hockey. The equipment is expensive so we told him he had to take care of it. Being 10 years old and having a bad temper he got into the bad habit of smashing his goal stick against the goal posts every time somebody scored on him. I kept telling him to stop but to no avail. I just kept on telling him if he broke the stick he would have to pay for a new one. And, of course, he did indeed break the stick a couple of games afterwards. So right after the game off we went to the Hockey store. The poor bugger almost started to cry when he saw what a new stick was going to cost him! :eek: That one stick cleaned him out of his whole parents/grandparents birthday money he had just received. In the fifteen years since he has never broken another goal stick on purpose!:D

Guest services gave me the same spiel that any overages would automatically go on my credit card, there was no way to sever them from my account. As it turned out the kids spent less than what I was giving them but I think it's pretty crappy that they do that. Adults would be cut off from spending, kids can blow what they want to bad for the parents/guardians. I purposely gave the kids OBC so they would have a fixed amount of spending. I also offered to just add the cash to their account, again a no-go, overages would still default to me.

Now to all the people that turned this into parenting 101, all I can say to you is if you had nothing to contribute to the thread, lay off the keyboard.

Sorry, I'm confused.

Are you saying that if an adult account holder would be cut off when reaching their preset spending limit, their child would continue to have unrestricted spending privileges?

Or is what you are saying is that a childs account connected to an adults account cannot be seperately restricted or set with a preset spending limit?