Yes, if you just want to let everything stay on your credit card then you don't have to do anything. They will slip a printed bill under your cabin door early on the last morning. If there is an error on the bill, then you will need to go to the desk. Otherwise just keep the bill and leave the ship. The cruise line will take this as your acceptance and they will submit the bill to your credit card company.
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Dave
Editor, CruiseReviews.com
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