You can't physically use a debit card onboard, they are treated just like a credit card...a hold is placed on your account as a deposit for your onboard purchases, that hold amount (depending on cruise length) is tied to your Sail & Sign card which is used for all purchases onboard. If, during the course of your cruise, your Sail & Sign account exceeds the amount of the original deposit, additional holds will be added on to your debit/credit card. I believe a debit card is attached to your checking account...just make sure there are enough funds in your checking account to cover any overages.
I also posted this on your other thread....with debt cards, depending on your daily bank $ limit, it could be a problem. We tried it once and when they put the tips, drinks, excursions, pictures, boutique purchases, we had gone over ours. We just switched to a credit card. When we got home we had our limit increased.
Teresa and Larry
#36-Carnival Splendor 9/16/12
7 night Mexican Riviera
#37-Allure of the Seas 11/11/12
7 night Eastern Caribbean
We used our debit card on our last 2 cruises and had no problems. I called our bank before we left Alaska and told them where we would be traveling to ( Miami and the 3 ports of call)and the approximate amount we would be putting on our card to Carnival and also our expected arrival back in alaska.
I use my Visa debit card when securing my cruise booking. Then they swipe it when I check in, to take care of my Sail & Sign account. There's never been a problem. I've done this exactly the same way for my past ten or so cruises.
Some banks do not impose a daily limit, nor a hold. At least mine doesn't. Perhaps it's just my account? I make sure there is plenty of money in my checking (debit) account to cover 'way more than I will spend on a cruise.
I never think about it again after check-in, nor do I have to go to the purser's desk to 'settle up'. So - I don't know what could be a problem using a debit card...?
"Laissez les bon temps rouler!"
New Orleans Lady - that's ME.
14 Carnival cruises
3 Princess cruises
2 HAL cruises
2 NCL cruises
3 RCL cruises
All fantastic voyages!