I only use cash for my cruise account. I use the kiosk once I get on board. I put in a little at a time and see how far that goes so that I won't have any credit left. But if I see near the last two days of the cruise I still have a lot left. I try to shop at the gift shop or use it in the casino. If I want to get my money back, luckily I'm Platinum and I cash out on the last night at Guest Services.