When you use any card Carnival will put a hold down - as Mike mentioned - above and then may put through incremental holds throughout the cruise and then put through a final transaction for the S&S balance and release the other holds. With a debit card this can severely restrict the amount of funds available to you.
All I ask is a tall ship and a star to steer her by; John Masefield
Carnival: Glory 2004, Destiny 2008, Splendor 2009, Freedom 2011, Valor 2012, Dream 2013
Celebrity: Summit 2011
Princess: Ruby 2010, 2014, Caribbean 2013, Coral 2014, Regal 2014, 2016
Sail Windjammer: Mandalay 2017
Star Clippers: Royal Clipper 2015