I would like to use my debit card, instead of credit card, for my sign and sail account. I know this is allowed...from CCL's website. My question is, do they auth your debit card before hand? The reason I ask is, if they auth the card for (example) $200...then even if I do not spend that money on the boat, I cannot get it out of the ATM. The funds become tied up for the first 3-4 days after the auth.
Does anyone have any experience with debit card/sign and sail?
My debit card also acts like a credit card with no limit, which is why consumer protection groups hate them and why I usually leave it at home.
With a credit card, if it's stolen, you're only liable for $50. With a debit card, usually they can just wipe out your bank account. Unless you mean your ATM card. Check with your bank about your debit card to make sure about that limit.
Can you use your credit card, but when it comes time to pay you can use your debit card? Like a hotel they want to hold your Credit Card but when it comes time to check out you can pay any way you like cash, credit, debit. I know some of our cruise buddies last year just used cash for the sign and sail. I don't like to carry that much cash. Plus we have the Carnival Credit Card now so we are earning points for a cruise. Of course the interest is high so we do pay it off each month.
I would call Carnival and/or your bank direct and just ask.
You can indeed use your Credit Card to secure the sail & sign, and then pay it off at the end of the cruise any way you like.. cash or debt card.
However, if you pay it off you won't earn the points on the credit card, as there would have been no charges against it. If you want the points, leave it on the credit card and pay the bill when it arrives, before any interest is accrued.