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Old December 10th, 2005, 09:31 AM
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Default credit card, travlers checks, cash??? what to use??

what do you bring the most of on the cruises? are their ATM's on ships to get cash?
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Old December 10th, 2005, 02:15 PM
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I take cash and Travelller's cheques & a Visa credit card. NO ATM machines on HAL ships. You may find ATM's in the various ports, but not all of them.

Traveller's cheques can be cashed at the Front Desk at no charge.
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Old February 2nd, 2006, 03:43 AM
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Default Credit Cards checks

Having a Discover Card from Morgan Stanley is great. They started the cash back programs when Sears bought the Discover Bank in Delaware.


Credit cards give good records and stop abuses too. Checks you may want to carry a few as well Traveler checks are great .. look at your banks near ytou and see which ones give them for free.

Here even on Sundays the banks are open and thats wild as we are the only county of 21 in NJ which has blue laws still and they are inforced here ...

As using any method of payments always keep track of what your spending and try not exceed what you have to go into debt.

The ships tally well so you are able to obtain your balance owed there too...

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Old February 4th, 2006, 03:52 PM
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Default Cash on cruise lines

We have decided to go with traveller's cheques and cash only for cruising. We have had a lot of hassle with credit cards and have had false charges show up after we got home - then you have to sort that out.
Also if we use a credit card there is a fee for exchange on top of the exchange so it adds up. We have a US account and take our traveller's cheques out of that and return the unused portion.

I understand that we will have to give them a cash deposit up front but that is ok. We hope that this will do away with spending a couple of hours at the front desk trying to straighten out mistakes. We have seen people shouting at the staff because of mistakes - one woman even said that she was going to cancel her credit card because they put her charges through on her credit card after she said she would pay in cash.

Yes, it is very important to keep every receipt and a running account of what you have spent. They do make mistakes - last cruise we let $20 go because they couldn't seem to explain what it was for and we got tired of standing at the counter after 2 hours.
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Old February 7th, 2006, 05:58 PM
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Fewer and fewer places are taking traverlers checks, because it is so easy to forge them with color printers. While on our last cruise I saw several stores that had "No travelers checks" signs. Use your ATM card. On the ship you charge everything to rour room and pay at the end. You don't need cash on the ship other then for some special tips. There are ATM's at every port. I have not sailed on HAL, We will in October. How do they handle cash in their casino? ATM cards are like credit cards except the money comes out in a day or two. I would skip the travelers checks. You don't see many ads for them anymore do you! That's because nobody wants to take them.
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Old February 7th, 2006, 06:33 PM
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We always take our credit cards and cash for tips.

Kathy
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Old February 20th, 2006, 11:36 AM
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for a ten-day cruise i usually take about 600.00 in cash, 100.00 in ones and a mastercard. the ones are for tips, the other cash is for casino and small purchases on land. i always have cash left over. HAL is very good when it comes to accounting for onboard purchases which i charge to my card. hope this helps. hombre
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Old February 20th, 2006, 12:48 PM
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It depends on where you are sailing but in my opinion a credit card, ATM and some cash are the best way to go for Caribbean and European cruises.

For ship charges, set up your account using your credit card and have all shipboard charges go against the credit card. The number of instances of false charges or other issues are actually quite low and you will receive a final bill before you leave the ship. Review that bill BEFORE you leave the ship. You can also ask for a current bill of your charges at anytime during your cruise. If there are any charges that you do not agree with have them dealt with before you leave the ship. You also have the ability to dispute ANY charges with your credit card company if you feel they are not accurate or they are invalid.

With the ATM card you can use it to receive money on shore in the native currency, in a small amount, to use while you are on shore. This works well in Europe. In the Caribbean and Mexico almost all ports welcome U.S. dollars for purchases. The other advantage of using an ATM is that you will receive the current exchange rate. Depending on your bank and the ATM you use there will probably be a charge for using the ATM card. I personally use my credit card for any major purchase while on shore.

If you are traveling in Asia or some South America destinations you may want to consider taking travelers checks. They can cash the checks onboard at the Purser's desk. They can also exchange dollars to the native currency but they do it at a pre-determined exchange rate and add a charge that is not usually in the passengers best interest.

The thing you want to remember is to take only the least amount of cash on shore with you each day that you think you will need. If you do need more use your ATM to obtain more currency, travelers check or credit card card for a purchase. You do not want to carry around a large amount of money.

Take care,
Mike
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Old February 20th, 2006, 12:50 PM
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cash and a credit card (not a debit)---dont bother with travelers checks- if you can find a store to take them in a fgn port they will kill you with the conversion charges
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