This is just crazy to me!!!! Don't get me wrong I've done my fair share of charging unnecessary items.
However why charge an entire cruise when you can book in advance and pay it out? That's how I cruise. I book about a year in advance and then make payments. I work as much overtime as I can and this year I've even gotten a part time job to help. I usually use my income tax return for spending money and shore excursions.
I did charge my first cruise back in 2004. It was only $800 for the two of us. I paid it off with the next years income tax.