Clarea Posted February 2, 2018 #76 Share Posted February 2, 2018 Credit card, :) They may do some authorizations in the amount of your daily account balance, but they don't authorize hundreds of dollars (unless you spend that). Link to comment Share on other sites More sharing options...
Milwaukee Eight Posted February 2, 2018 #77 Share Posted February 2, 2018 They may do some authorizations in the amount of your daily account balance, but they don't authorize hundreds of dollars (unless you spend that). Hello Bob. I thought you were the Host of RCCL CC sites?? Sent from my iPhone using Forums Link to comment Share on other sites More sharing options...
Clarea Posted February 2, 2018 #78 Share Posted February 2, 2018 Hello Bob. I thought you were the Host of RCCL CC sites?? There are currently 5 hosts of this forum. Link to comment Share on other sites More sharing options...
Milwaukee Eight Posted February 2, 2018 #79 Share Posted February 2, 2018 There are currently 5 hosts of this forum. Ok. I will leave it alone.... Sent from my iPhone using Forums Link to comment Share on other sites More sharing options...
dolfan1980 Posted February 2, 2018 #80 Share Posted February 2, 2018 I'm a little confused about the issue here. A credit card is pretty much an absolute requirement to travel these days and anyone that doesn't have sufficient credit to weather a hold for a few days shouldn't be on vacation at all IMO. Generally speaking it is hard to book a cruise or to stay in a hotel or rent a car without one. I do agree that holds should be removed after final payment and no damage or purchases were made (e.g. From mini bar), and this should realistically be cleared by the night after departure or shortly thereafter. Sent from my iPhone using Forums Link to comment Share on other sites More sharing options...
Clarea Posted February 2, 2018 #81 Share Posted February 2, 2018 I should have mentioned that if you want to avoid any kinds of holds or authorizations, you can opt for a cash type onboard account. Royal will let you charge up to $500 before they ask you to pay it down. At the end of the cruise, you can still use a credit card to pay off any balance. This way, there will only be one charge to the credit card. Link to comment Share on other sites More sharing options...
steveru621 Posted February 2, 2018 #82 Share Posted February 2, 2018 I'm a little confused about the issue here. A credit card is pretty much an absolute requirement to travel these days and anyone that doesn't have sufficient credit to weather a hold for a few days shouldn't be on vacation at all IMO. Generally speaking it is hard to book a cruise or to stay in a hotel or rent a car without one. I do agree that holds should be removed after final payment and no damage or purchases were made (e.g. From mini bar), and this should realistically be cleared by the night after departure or shortly thereafter Sent from my iPhone using Forums Here we go again. RCI will send in a pre-authorization each night for the exact amount you spent on your sea pass for that one day. For a credit card, it will lower your credit line available. A debit card it will lower your available balance. RCI HAS NO CONTROL OVER HOW LONG THE PRE-AUTH IMPACTS YOUR ACCOUNT. That's up to whoever issued the card. Link to comment Share on other sites More sharing options...
Milwaukee Eight Posted February 2, 2018 #83 Share Posted February 2, 2018 I should have mentioned that if you want to avoid any kinds of holds or authorizations, you can opt for a cash type onboard account. Royal will let you charge up to $500 before they ask you to pay it down. At the end of the cruise, you can still use a credit card to pay off any balance. This way, there will only be one charge to the credit card. Good plan. Sent from my iPhone using Forums Link to comment Share on other sites More sharing options...
grapau27 Posted February 2, 2018 #84 Share Posted February 2, 2018 There are currently 5 hosts of this forum. You are the best Bob,you interact with everyone and empathise with everyone too. Link to comment Share on other sites More sharing options...
Ambermark Posted February 2, 2018 #85 Share Posted February 2, 2018 I'm a little confused about the issue here. A credit card is pretty much an absolute requirement to travel these days and anyone that doesn't have sufficient credit to weather a hold for a few days shouldn't be on vacation at all IMO. Generally speaking it is hard to book a cruise or to stay in a hotel or rent a car without one. I do agree that holds should be removed after final payment and no damage or purchases were made (e.g. From mini bar), and this should realistically be cleared by the night after departure or shortly thereafter. Sent from my iPhone using Forums A few days hold for a few hundred wouldn't be a problem, but some of the posts I was reading were saying Almost £2000 for up to 30 days. I try not to have too much credit for a number of reasons so that would take a huge chunk from my buffer zone. Thanks for all the advice :) I think a cash account is the way to go for me :) Link to comment Share on other sites More sharing options...
Clarea Posted February 2, 2018 #86 Share Posted February 2, 2018 ... Almost £2000 for up to 30 days. ... This is too long, something odd going on with the financial institution in this case. Link to comment Share on other sites More sharing options...
SRF Posted February 2, 2018 #87 Share Posted February 2, 2018 Just about every hotel I have stayed at in the US recently has a sign on the front desk informing people that use of a Debit Card can result in a Hold for as much as 30 days. This is a BANK issue. Link to comment Share on other sites More sharing options...
PIGSKIN Posted February 5, 2018 #88 Share Posted February 5, 2018 I just like setting up a cash account---this works best for me. Sent from my iPad using Forums Link to comment Share on other sites More sharing options...
RocketMan275 Posted February 5, 2018 #89 Share Posted February 5, 2018 I should have mentioned that if you want to avoid any kinds of holds or authorizations, you can opt for a cash type onboard account. Royal will let you charge up to $500 before they ask you to pay it down. At the end of the cruise, you can still use a credit card to pay off any balance. This way, there will only be one charge to the credit card. Or, if one insists on using a debit card, one could establish a second account at the financial institution, say, a savings account. Play the amount of money you intend to spend on the cruise in that account. Get a debit card only on the new account. This would preserve your main account, allow you to use a debit card, and control your spending. Link to comment Share on other sites More sharing options...
Clarea Posted February 5, 2018 #90 Share Posted February 5, 2018 Or, if one insists on using a debit card, one could establish a second account at the financial institution, say, a savings account. Play the amount of money you intend to spend on the cruise in that account. Get a debit card only on the new account. This would preserve your main account, allow you to use a debit card, and control your spending. That's the only way we use a debit card, connected to a different account at a different bank than where our main accounts are. Link to comment Share on other sites More sharing options...
RocketMan275 Posted February 5, 2018 #91 Share Posted February 5, 2018 That's the only way we use a debit card, connected to a different account at a different bank than where our main accounts are. That is the key. The debit card should not be linked to your principal account even if that means you have to open a second account for the travel debit card. Link to comment Share on other sites More sharing options...
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