I've also read that you can convert these credits to real cash by going through the casino on the ship. What am I supposed to say to do this? I've read there is a 3% cash withdrawl advance fee, does Carnival view the cash withdrawl from the casino as purchase?? I've also read that I can get them as chips to avoid the fees, then cash the chips out, is this right? I was planning on using th cash to physically tip my steward ect..as i am old school and prefer this method rather than the auto tipping.