Kuki - from what I understand of your post on NCL you can go into the casino and purchase $100 of chips on your onboard account and get only $100 billed on your CC statement (no service charge)? Are these casino chares eventually billed seperately on your CC statement as cash advances, or just as regular purchases included with your final owed amount at debarkation?
Essentially, on NCL are you charged a cash advance fee at the casino, either by the cruise ship or later on by the CC company?
Question? If you go to the casino and buy chips with your sail and sign card, are you charged 3% when you cash out?
What if you buy chips with cash at the casino, are you charged 3% when you cash out?
This is robbery if you ask me.
If you credit your sail and sign do you still have to pay the 3% since you didn't cash out just put the credit back on your s&s?
O.K. this is what I learned. I only used this convenience on my last cruise in May on the liberty. It worked for me. I would never pay more than 10% interest on any ongoing debt in the real world but many people may much more than 20% to use their Visa, MasterCard, Discover and American Express. However, it is all in what works for the individual.
When you purchase chips from the cashier, the 3% service charge is added to whatever amount you ask for in chips. If you ask for $20, the charge slip you sign before you are handed your chips will say $20.60. If you ask for $50, the charge slip you sign before you are given the chips will say $51.50. When you go to cash out, there is no other fee assessed.
The same with the slot machine. You can enter a code and have the system deposit $20 cash onto your card for the cost of $20.60. When you are finished playing, you can either cash out your remaining balance or have it deposited into your "casino account" (don't remember the real name for it). It stays there until you want to use it to play slots again or cash it out (or buy chips with it).
The only fee assessed is at the front end of this transaction which may be what rubs people. Most credit cards assess their fees at the back end and only on the bank statement. This is done so that the average consumer will not realize just how much those sales purchases that he/she made really cost.
All in what works. I am willing to pay the 3% during a 7 day cruise to have cash available to me when I need and/or want it. Many people are not.
(cruzin' solo by design)
Freedom ('09), Imagination ('08), Victory ('08), Destiny ('08), RCCL Navigator ('08), RCCL Majesty ('08), Glory ('07), Liberty ('07), Fantasy ('07), Destiny ('06), NCL PofAm ('05), Fascination ('04), Victory ('04), Fascination ('04), RCCL Voyager ('03), Fantasy ('99)
I'm with IB Cruzin on this one...
I hate having to pay to get my own money, but I love the convience more... heck there are many time here at home, when I just don't feel like going all the way to my bank, I'd rather pay a little extra for somewhere closer.
On the ship, for my first time out, I'd rather not have to concern myself with having cash on me, or worse... losing cash.
(aside from the casino of course)
I'm really suprised by all the people who are ok with or willing, or almost eager to throw away their hard earned money. For me a cruise is my reward for working hard throughout the year and the last thing I want to do is throw away my hard earned money during it.
I understand everyone has their own opinion on this, but it just amazes me at how many people are ok with paying ATM fees, cash advance fees, etc. Just keep some cash in the safe and bring it to the casino when you are ready to gamble. Then again, to each their own