I have set up my sign and sail both ways. Cash deposit up front is more economical, because I was more careful with my spending and I spent less money overall. However, it was a huge pain, I had to go directly to the pursers desk and stand in line to make my initial deposit and set up the account. Once you go over your deposit, they send you a notification under your door to stand in line at the pursers desk to deposit more cash in order to use your card. The credit card is much easier, and I relax and enjoy my vacation without worrying about how much I have spent, but ...I always spend more because it is easier. I will do the credit card method from now on though, it is just to convenient.