Oceania onboard ship credit

[LHT28]

There's the rub: the words "cash advance." That's not the same as non-refundable OBC.

 

You present a credit card for your shipboard account when you check in for the cruise. If you request cash from the ship's purser and you don't have any refundable OBC, they will charge the cash to your credit card.

Exactly

I think sometimes something gets lost in the translation between crew & passenger

 

 

Last year I had to get a cash advance in Bermuda but I immediately went back to the ship went online & paid my CC for cash amount I got from the bank

[Flatbush Flyer]

There's the rub: the words "cash advance." That's not the same as non-refundable OBC.

 

 

 

You present a credit card for your shipboard account when you check in for the cruise. If you request cash from the ship's purser and you don't have any refundable OBC, they will charge the cash to your credit card.

 

 

 

The credit card company calls that transaction a "cash advance." They charge the person -- or, in this case, the cruise line -- a fee (usually 3% of the total) for the privilege. O is simply passing the fee through to the passenger.

 

 

 

Additionally, all credit cards of which I am aware begin charging interest on the advanced cash from the day it was advanced, not from the close of the monthly billing cycle. (SedonaJoel may be able to confirm or refute this, if he's reading.)

 

 

 

Be very careful with cash advances on credit cards unless you know exactly what you're getting into. They can get expensive in a hurry.

 

 

 

Plus 1

 

 

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[ORV]

There's the rub: the words "cash advance." That's not the same as non-refundable OBC.

 

You present a credit card for your shipboard account when you check in for the cruise. If you request cash from the ship's purser and you don't have any refundable OBC, they will charge the cash to your credit card.

 

The credit card company calls that transaction a "cash advance." They charge the person -- or, in this case, the cruise line -- a fee (usually 3% of the total) for the privilege. O is simply passing the fee through to the passenger.

 

Additionally, all credit cards of which I am aware begin charging interest on the advanced cash from the day it was advanced, not from the close of the monthly billing cycle. (SedonaJoel may be able to confirm or refute this, if he's reading.)

 

Be very careful with cash advances on credit cards unless you know exactly what you're getting into. They can get expensive in a hurry.

 

Actually many credit cards will charge interest on your current whole balance, not just the cash advance.

 

I'm not completely sure that a charge to Oceania is automatically going to be considered as a cash advance though. Those cash advances from the casino or otherwise might just be considered a daily charge, but I wouldn't know for sure as I've never taken a cash advance out on the ship.

[Flatbush Flyer]

Actually many credit cards will charge interest on your current whole balance, not just the cash advance.

 

 

 

I'm not completely sure that a charge to Oceania is automatically going to be considered as a cash advance though. Those cash advances from the casino or otherwise might just be considered a daily charge, but I wouldn't know for sure as I've never taken a cash advance out on the ship.

 

 

 

Yes, AFAIK, the immediate cash advance interest accrual is based on your total credit card account balance.

 

 

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[Go-Bucks!]

Princess and Celebrity allow us to use OBC via our cruise card in their casinos; it's on your account statement the next day. I'm sure this helps them make more money since it's easy to just pop into the casino and drop a few dollars. ;)

I bet Oceania could make more money if they did this instead of having to use cash. I rarely have much cash on the ship since most everything goes on the ship account. I didn't use the casino at all on my trip a couple weeks ago. As a matter of fact, I don't remember seeing more than a couple people ever in the casino - even on sea days. Last month, on Regal Princess, I won $250 in slots!

[azam71209]

Just a tip regarding cash advances. If you know that you are going to do a cash advance and/or if you find yourself needing to do it (as we did in Italy when both of us forgot our debit cards so couldn't use it in the ATM), you can immediately go online and "overpay" your credit card balance so you don't have the harsh interest accrual until your next regular payment date.

[Flatbush Flyer]

Princess and Celebrity allow us to use OBC via our cruise card in their casinos; it's on your account statement the next day. I'm sure this helps them make more money since it's easy to just pop into the casino and drop a few dollars. ;)

 

I bet Oceania could make more money if they did this instead of having to use cash. I rarely have much cash on the ship since most everything goes on the ship account. I didn't use the casino at all on my trip a couple weeks ago. As a matter of fact, I don't remember seeing more than a couple people ever in the casino - even on sea days. Last month, on Regal Princess, I won $250 in slots!

 

 

 

The average Oceania passenger doesn't even know there's a casino onboard.

 

 

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[LHT28]

Princess and Celebrity allow us to use OBC via our cruise card in their casinos; it's on your account statement the next day. I'm sure this helps them make more money since it's easy to just pop into the casino and drop a few dollars. ;)

I bet Oceania could make more money if they did this instead of having to use cash.

On Riviera (probably the other ships also) you can use your cruise card in the casino machines but it is doubtful they will use your NON REF OBC to pay down the losses.

 

They want YOUR dollars

 

They also have an ATM onboard now, do not recall the fee to use it but I am sure there is one :)

[Jancruz]

Who should we contact, we were notified two days before the end of our journey we still had unused OBC, being value oriented cruisers were proceeded to use up the OBC the day before disembarkation. Returning home I noticed that my credit card was charged for the remaining amount of our OBC. it turns out that O accounting collected the outstanding OBC the same day we used it causing us to incur charges Seems unfair to me..... not a huge amount of money but really they can't wait until all the charges have cleared before the take back the OBC???? Help FDR if you are listening seems like bait and switch, or at least be very clear about when all OBC has to be used by......

 

FYI..FDR is no longer reading the boards..way to busy..write to the cruise line..

Jancruz1

[Mura]

I have been assuming that FDR is no longer monitoring the board but I recently discovered that on Marina, at least, the concierge in the Executive Lounge DOES. When I posted a comment about the GDR sometimes being closed at lunchtime when in port (this was new to us) he immediately called and asked me to meet with him and the Restaurant Manager to discuss the matter.

 

Based on that experience, I suspect that SOMEONE at Oceania (or on board the ships) does read our messages.

 

Mura