cash for gambling

[fasted]

Do you need to bring cash if you want to play in the casino. Can you take money out of your room account or charge it to your room account. I am just looking to not have to bring xxxx amount of cash with me. Also is there any type of service charges associated with taking cash.

Edited April 16, 2015 by fasted

[Demonyte]

You can take cash from your onboard account (there is a limit, maybe $2000/day) but you will be charged 3% convinience fee.

 

Cheaper to bring cash with you.

[mkerewski]

You can charge it to you on board account, but there is a 3% fee associated with doing it that way. There is also an ATM machine, and that has the standard land-based atm fees.

[fasted]

If you do charge it to your on board account and pay the 3%, is there any extra charges to your credit card, like a cash advance charge placed by the credit card company. By the way, I have a NCL bank of America credit card.

[Demonyte]

If you do charge it to your on board account and pay the 3%, is there any extra charges to your credit card, like a cash advance charge placed by the credit card company.

 

No, all onboard charges are charged as one purchase (no separate cash advances) at the end of the cruise. (Of course they will pre-authorize and update that pre-authorization done to your card as the onboard account is used to make sure it has funds but other thn that no worries.)

[CruiseReg]

Also, if you want to, you can use traveller's checks if carrying cash makes you nervous. I've done this in the past.

 

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[chloemonkey]

Do you need to bring cash if you want to play in the casino. Can you take money out of your room account or charge it to your room account. I am just looking to not have to bring xxxx amount of cash with me. Also is there any type of service charges associated with taking cash.

 

Or contact the Casinos at Sea department of NCL and set up a credit line with them. No service fees apply. We do both sad to say....take cash AND use the credit line!

[fasted]

No, all onboard charges are charged as one purchase (no separate cash advances) at the end of the cruise. (Of course they will pre-authorize and update that pre-authorization done to your card as the onboard account is used to make sure it has funds but other thn that no worries.)

 

So I pay a 3% convenience fee. Since the charge is considered a purchase, I get back double points as my card is a NCL card and the purchase is NCL related.

[Nola26]

Also, if you want to, you can use traveller's checks if carrying cash makes you nervous. I've done this in the past.

 

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Ditto and NCL cashes these without a fee.

[Nola26]

So I pay a 3% convenience fee. Since the charge is considered a purchase, I get back double points as my card is a NCL card and the purchase is NCL related.

 

You also pay the cash advance fees your card charges, each time you take an advance. So for one $1,000 advance you'll pay the ship $30 and probably your credit card company $30 for at total of $60 in fees. Next add on the interest charges because those start immediately.

 

Bring cash, travelers checks or use your debit card in the ATM onboard for much better options.

 

Another option is to use the credit card to purchase OBC online prior to cruising. You can access that for only the 3% fee.

[bbryan5]

^ I've used my NCL room key (which was linked to my Chase Visa card) to get cash from the casino. The only fee I paid was the 3% fee that NCL charges.. This was absolutely not treated as a cash advance from my credit card company. Chase did not hit me with any fees.

[NEW 2 CRUISIN]

I usually just bring $10 and then play with my winnings the rest of the week.

 

Isn't that what everyone else does???

 

:D

[Annmeat]

You also pay the cash advance fees your card charges, each time you take an advance. So for one $1,000 advance you'll pay the ship $30 and probably your credit card company $30 for at total of $60 in fees. Next add on the interest charges because those start immediately.

 

Bring cash, travelers checks or use your debit card in the ATM onboard for much better options.

 

Another option is to use the credit card to purchase OBC online prior to cruising. You can access that for only the 3% fee.

 

No you do NOT pay a cash advance fee to the credit card company as you are not taking a cash advance from them

It all is a charge to your NCL inboard account

The credit card company has no idea what you purchased or charged on board. You are not taking an advance from the credit card company, you are incurring an on board charge.

 

We have done this on our past 3 NCL cruises .

 

 

 

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[DevonianCruiser]

I remember not that long ago when some cruise lines let you advance money for the casino free of charge - they knew that they would be getting your dough anyway :eek:

 

The only requirement was that it was either in chips from the cashier or cashed at the tables :p

[fasted]

No you do NOT pay a cash advance fee to the credit card company as you are not taking a cash advance from them

It all is a charge to your NCL inboard account

The credit card company has no idea what you purchased or charged on board. You are not taking an advance from the credit card company, you are incurring an on board charge.

 

We have done this on our past 3 NCL cruises .

 

 

 

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I just called Bank Of America, my cc company. They said this is considered a cash advance.

[negn]

Trust me, is not a cash advance Have done it multiple times Is charged to your account just like any purchase on ship. And if you gamble enough, CAS may even remove the 3% charge

[vp1]

I just called Bank Of America, my cc company. They said this is considered a cash advance.

 

On at least 10 occasions in the past I have charged casino chips to my NCL on board account (Bank of America card no less) and NEVER been charged a cash advance fee. (As recently as Feb. of 2015 on the Sun). This shows up on the credit card statement as a purchase - not a cash advance.

 

It is true that, until about 4 years ago, there was no fee to get chips from the casino. Too many people were taking out $2,000 a day for a week to get the credit card points and then just depositing the cash in their bank when they got home - most cruise lines have now implemented a fee for this reason.

 

My current card (Barclay Card Arrival+) awards cash back points for travel purchases (as in my NCL on-board charges) at about 2.2%. While it's still not "free" money, I don't feel that bad about the fee being effectively reduced to less than 1% in the casino with the rewards points factored in.

 

The minimum credit line with Casinos at Sea (with no fee attached) is $5,000. It's probably a bad sign that I'm very much considering that option for my next cruise (thank you CAS…) :)

 

~Bob

[clcjdn]

BofA doesn't know how it works....there is no "cash advance" fee for anything charged through your room. It comes through as one transaction at the end of your sailing. There is an option to take cash against a credit card (I think Global Express is the company) like any other casino, which has a % of the transaction as a fee. However, if you charge against your room, you get the 3% fee (if you get at least 2,500 points, the host can review your charges and comp based on their system). My last cruise I only got $37 removed, but I had 2 tax forms for $1,500 wins and a couple other cashouts more than $1,000. The cruise before that I had about $200 removed at the end, but only had 1 cashout of $900. These end of cruise comps are based on win/loss assuming you got to the 2,500 points. Hope this helps.

 

FYI, both of those cruises I charged against my room with the NCL BofA card used for final payment.

[Sand and Seas]

I just called Bank Of America, my cc company. They said this is considered a cash advance.

 

They are only going to see a grand total of your charges from NCL so it all looks like a purchase. Your only fee is $3 per $100 that the casino charges (unless you are Golden or VIP)

[Nola26]

I just called Bank Of America, my cc company. They said this is considered a cash advance.

 

 

If you charge it to the room it won't be considered a cash advance and you'll simply settle the room charges to the card if that is what you use at check in. You can do this right at the machine NCL tags the 3% onto whatever amount you download. I did $5 into a machine and was charged 15 cents for that transaction, showed right on the screen. I'd entered the transaction in error, but it was a cheap mistake.

 

If you go to the cashier and pull actual cash off the card it will be a cash advance.

 

If you make a withdraw at the ATM with the credit card, it will be a cash advance.

 

If you purchase Travelers checks prior to the trip you'll need cash to do so. If you use your credit card the bank will charge cash advance fees. I called AAA and was given this information. Agent strongly advised me to bring cash for the transaction. I don't recall if a debit card would work like cash. I do know the fees to buy the travelers checks at AAA were low. I rarely pay fees like ATM and thought the AAA fees weren't too bad, maybe $0.50 per $100. For the peace of mind of and extra stash I'm thinking of getting some.

Edited April 17, 2015 by Nola26

[Demonyte]

If you go to the cashier and pull actual cash off the card it will be a cash advance.

 

 

No it is not, you can't take cash directly out from your credit card at casino cashier - it is always done from your onboard account. (As said already numerous times.)

Edited April 17, 2015 by Demonyte

[CruiseReg]

One other thing regarding travelers checks, they may be free at your bank for certain types of accounts. I don't pay anything for mine but the face value and the money comes directly out of one of my accounts when I pick them up.

 

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[jaja]

I usually just bring $10 and then play with my winnings the rest of the week.

 

Isn't that what everyone else does???

 

:D

 

I wish :D:D:D

[Nola26]

One other thing regarding travelers checks, they may be free at your bank for certain types of accounts. I don't pay anything for mine but the face value and the money comes directly out of one of my accounts when I pick them up.

 

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Nice benefit. I don't think my credit union even offers them anymore.

[hpecorari]

No it is not, you can't take cash directly out from your credit card at casino cashier - it is always done from your onboard account. (As said already numerous times.)

 

I've done this. Walked up to the cage and gave them a credit card and told them I wanted to take X amount out of that credit card. The credit card I gave them was not the same credit card I used for my onboard account. They gave me what I wanted and then did another transaction to give me the 'fee' that was charged, as I was VIP.

 

Harriet