Has anyone confirmed the hold stuff?? By the time they add the tips and a few purchases you are at $200.00 We were over $200.00 with just our tips. I think once you start charging, you are kind of running up a tab. I don't think they bother holding then. We got a statement halfway thru our cruise showing what we owed, they probably swiped then, if it wasn't accepted then you were in trouble. As long as your credit limit covers what you are planning to spend you don't have a problem.
I wouldn't tie up the cash unless you bring a lot of it. We spent more than we thought in 2 of the 3 islands, then used quite a bit for tips on and off ship.