We take cash AND a credit card. At the various ports, we take only a budgeted amount of cash with us and the credit card. But we always are careful WHERE (which vender) we use the credit card with. We never let the Vender/employee walk away from the counter where we are standing to some back room or??? to swipe the credit card no matter how nice or upscale the shop is. At restaurants we make it a point to use cash.
We almost never overspend on shore...its on board ship where our problem lies..tooooo much fun!!!