Absolutely use a Credit Card with enough available credit above the Deposit Hold. NOT a Debit Card, Besides the hold for cash funds, If you use a regular Visa/MC/Amex you can later dispute any wrong charges. You can still pay your account with cash, or a different card the last day. You don't want a hold on your bank account.
Hold amounts are 2-4 day cruises $100, 5-7 day $200 per person on the account being secured by the card.
I recommend taking 2 cards if you can. Would depend on the credit limits and credit available. I secure account with one and keep one for travel emergencies.