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Not so settled cash account


Dan83
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Just now, Host Clarea said:

 

You can do that as part of the online check-in, at check-in, or at Guest Services once onboard.

Thanks so much, yet another great tip, Bob. I forgot to ask about it beforehand and ended up in the long line at the start of the cruise. I will remember this next time!

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10% surcharge for a credit card account???  you mean in the casino or in general.

 

I don't gamble, so maybe that's it.   But I have never been paid a surcharge,  i check my bill all the time, and never had any weird issues after i got off the ship. 

 

i dunno. but do what works for you

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23 minutes ago, RCCL Fan said:

10% surcharge for a credit card account???  you mean in the casino or in general.

 

I don't gamble, so maybe that's it.   But I have never been paid a surcharge,  i check my bill all the time, and never had any weird issues after i got off the ship. 

 

i dunno. but do what works for you

I've heard there is SOME type of surcharge; maybe not as high as 10% but please tell me if I am incorrect on this? We gamble, but not to the point of having to get our account involved. We usually just bring extra cash on hand for the slot machines.

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1 minute ago, johnjen said:

I've heard there is SOME type of surcharge; maybe not as high as 10% but please tell me if I am incorrect on this? We gamble, but not to the point of having to get our account involved. We usually just bring extra cash on hand for the slot machines.

 

There is a 5% fee for getting a cash advance at the casino if your onboard account is secured by a credit card.

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But just using your credit card for your onboard account does NOT have any surcharge. I still have the pdf of my last two bills and there's no surcharge.

 

I think as Bob mentioned, that's only if you take cash off your credit card for the casino.

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I always pay by credit card, and have NEVER had any kind of surcharge for doing so.  

Only one time did I get the erroneous towel charge, and that was a computer glitch for that particular sailing.... pretty much EVERYONE on that sailing had a towel charge added on the last night/morning before leaving the ship, even if it had been confirmed as the towel count being at zero the night before.  

I just sent an email after I got home, and it was refunded with no problems -- took me maybe 60-120 seconds total to deal with the issue, versus standing in line at Guest Services on debarkation morning.

Also important to note that I've never had random charges show up AFTER I left the ship... everything my credit card was ever charged for was listed on my on-board account on the last day.  Now that they're not doing the pre-filled mini-bar, I think those surprise charges have gone by the wayside.

I get bonus points (money back) for using my credit card as part of the rewards/perks of the card -- paying cash gets me nothing extra.

I don't have to pay any more for using my credit card (I never withdraw cash for casino use) -- paying cash is of no benefit.

I don't have to stand in line at Guest Services by setting up my credit card -- paying cash means I'll always have to go to Guest Services to settle my account.

I don't have to worry about my balance by setting up a credit card account -- my last cruise, I had a credit balance at the end of the cruise (refunds due to Dorian), and it was simply refunded to my credit card on file, versus having to go stand in line at Guest Services to get my money in cash.

I don't have to carry a large amount of extra cash when I set up a credit card account -- paying cash means assuming more risk of losing cash / having it stolen while traveling.

I've got a gazillion reasons to use a credit card for my on-board account, and not a single justification for using cash.  I use a credit card every time.

 

 

 

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10 hours ago, NateUpNorth said:

 

Toddlers can be removed from the restaurant within minutes, usually to knowing smiles from other understanding people who have had children themselves.

 

It's the drunk adults that usually cause the biggest fuss during the situation, and likely an even greater fuss should they be getting "removed".

 

I've seen the second more often than the first in my brief cruising history.

Lots of people on here who can’t stand kids on a cruise. I agree the loud drunks are much more annoying. The kids still have a chance, the others don’t. 

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46 minutes ago, Milwaukee Eight said:

Lots of people on here who can’t stand kids on a cruise. I agree the loud drunks are much more annoying. The kids still have a chance, the others don’t. 

 

I don't mind kids on board just would like to be able to enjoy dinner in a specialty without crying or screaming kids.  

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47 minutes ago, PhoenixCruiser said:

 

I don't mind kids on board just would like to be able to enjoy dinner in a specialty without crying or screaming kids.  

 

Most people don't like screaming or misbehaving children.


But you made the automatic assumption that the poster would have one of those.

 

That's not fair.

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On 9/9/2019 at 3:00 PM, RCCL Fan said:

I would actually love to hear the reasons everyone uses cash accounts.

 

I never have, to me it's just simple, put your cc on file and you get one bill and it's handled automatically.

 

I always see long long lines of people at guest services, particularly on the last day dealing with their cash accounts.

 

I'd love to hear why you prefer this method.

Got mystery charges on CC when we used to leave CC.  35+ cruises later since we use cash account and have not had a mystery charge since.  We prepay our grats, internet and ships excursions so have minimal charges to pay for onboard.  

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On 9/9/2019 at 9:00 PM, RCCL Fan said:

I would actually love to hear the reasons everyone uses cash accounts.

 

I never have, to me it's just simple, put your cc on file and you get one bill and it's handled automatically.

 

I always see long long lines of people at guest services, particularly on the last day dealing with their cash accounts.

 

I'd love to hear why you prefer this method.

I am going to try using the cash account because we have a debit card and want to avoid the high hold they place on a debit card. Planning to go down the last night and pay off any charges with the debit card. I assume they would then charge any 'late comers' to the debit card after that point, but it would avoid the big holds. 

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On 9/10/2019 at 12:26 PM, Host Clarea said:

 

There is a 5% fee for getting a cash advance at the casino if your onboard account is secured by a credit card.

Can someone bring cash just for the casino to avoid this? I wanted to dabble and have already checked in with my credit card linked to the account. 

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9 hours ago, AJSkarbo said:

Can someone bring cash just for the casino to avoid this? I wanted to dabble and have already checked in with my credit card linked to the account. 

Yes and some of the ships now are letting you charge money to your account on the slot machines with no fee.  

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Anyone have a tip for doing all of this without a credit card? I used to have one but don't know, we're paying for the cruise through a debit account. I'd rather not do cash but I also can't even imagine what would be charged on the account since we will be pre-paying our beverage package, not booking any excursions through the cruise line, and not charging anything to the account.

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6 hours ago, AddiBerry said:

Anyone have a tip for doing all of this without a credit card? I used to have one but don't know, we're paying for the cruise through a debit account. I'd rather not do cash but I also can't even imagine what would be charged on the account since we will be pre-paying our beverage package, not booking any excursions through the cruise line, and not charging anything to the account.

 

If you opt for a cash account, Royal will let you charge up to $500 on a 7-night cruise before they ask you to pay down the account.  You can use your debit card to pay off the account at the end of the cruise.

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7 hours ago, AddiBerry said:

Anyone have a tip for doing all of this without a credit card? I used to have one but don't know, we're paying for the cruise through a debit account. I'd rather not do cash but I also can't even imagine what would be charged on the account since we will be pre-paying our beverage package, not booking any excursions through the cruise line, and not charging anything to the account.

You can also pre purchase OBC.  Anything that is not spent will be refunded to you the last evening.

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On 9/11/2019 at 5:30 PM, linerode said:

I am going to try using the cash account because we have a debit card and want to avoid the high hold they place on a debit card. Planning to go down the last night and pay off any charges with the debit card. I assume they would then charge any 'late comers' to the debit card after that point, but it would avoid the big holds. 

We have used a debit card on many, many cruises. I typically call and put money on my account as OBC, enough to take care of gratuities if I don't prepay ahead of time.  We rarely spend anything on the ships since we buy the drink package.  And then I just guarantee with my debit card at check in.  I never get any type of hold placed on my card--may be my bank which is nice--since I never have a balance, and anything that is left on the OBC just gets refunded to my debit at the end.  That said, I do have a separate debit card that I use only for travelling, I do not use my every day account so I do not have to worry about my "bill paying" account being compromised or help up in any way on the off chance something happens.  We do not use credit cards for our own reasons, so this works for us.  We do not have to worry about standing in line to pay off our account on the last night either.  If we go to the casino at all, we just use cash for that. 

 

And maybe I am in the minority, but knock on wood, I have never had any "extra" charges on my onboard account, ever.  Now that I have said that, my next cruise, I will :)

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On 9/10/2019 at 2:00 AM, RCCL Fan said:

I would actually love to hear the reasons everyone uses cash accounts.

 

For us, it's a handy way to use up any USD that we have left at the end of the cruise. Saves us having to re-convert it back to euros with the various pitfalls of exchange rates and commission fees that may be involved. If we don't have enough cash left over to cover the full amount, we pay off the rest with a card. We usually go to GS to pay it off just before going to bed on the last night, typically between 11 pm and midnight, and have never had to wait any more than a minute or two. And since our onboard spend never exceeds the $500 cash limit we also don't have to waste time making payments during the cruise. 

 

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On 9/9/2019 at 6:01 PM, karena1 said:

That is why - 1. I always use a credit card. and 2.  I go down around 7 am each morning to check my account.  That way if there are any issues, I can take care of it right away - no lines.  I go to the gym at 6 and then to GS at 7 and get a print out.  Lots of times there are charges that should not be there, but super easy to take care of early in the morning when no one else is there.

You can check your account on the tv instead of standing in line and wasting time.

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We ALWAYS use cash for gambling expenses.  ALWAYS.

 

We've never had erroneous charges on our credit card on a cruise....but we have had those charges at hotels!  A phone call takes care of it.

 

Never use a debit card to "hold" your account....simply use cash.  You don't want your checking account affected by a debit card....and debit cards offer NO protection of any kind.  Neither does cash, but they can only mess up the cash they have...not ALL of your funds or credit!

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2 hours ago, ReneeFLL said:

You can check your account on the tv instead of standing in line and wasting time.

i know, just my preference to go down first thing in the AM when there is no one in line and get a statement.  I never wait in line.

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1 hour ago, cb at sea said:

We ALWAYS use cash for gambling expenses.  ALWAYS.

 

We've never had erroneous charges on our credit card on a cruise....but we have had those charges at hotels!  A phone call takes care of it.

 

Never use a debit card to "hold" your account....simply use cash.  You don't want your checking account affected by a debit card....and debit cards offer NO protection of any kind.  Neither does cash, but they can only mess up the cash they have...not ALL of your funds or credit!

I would never use a Debit Card.  We only use our Credit Card.  We always use cash in the casino - not that we are in there much as we are not gamblers.  Credit Cards have always worked great for us, would never use anything else.

 

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19 hours ago, AddiBerry said:

Anyone have a tip for doing all of this without a credit card? I used to have one but don't know, we're paying for the cruise through a debit account. I'd rather not do cash but I also can't even imagine what would be charged on the account since we will be pre-paying our beverage package, not booking any excursions through the cruise line, and not charging anything to the account.


I'm assuming your gratuities were included in your fare price, too?  (If not, you can prepay them -- contact the person you booked your trip through and they can take care of that for you now.)

If you're going to have a zero balance, there's no problem using a cash account, as there will be nothing to pay for.  If by chance you do decide to purchase a souvenir or something, you can always go to Guest Services at any time and pay that amount with cash or your debit card.  

As long as your balance is zero (or credit, if you had OBC), you can leave the ship on the last day without stopping at Guest Services to make a payment.  

 

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