The 3% is not a credit card fee, its what the casino charges for a cash advance. Carnival does not have any involvement in it as the Casinos are run but an outside company.
TNcruiseman has the correct answer here. It's even better if you were to have your sign and sail card backed with a credit card, you can still get the cash advance using the slot machines AND the money would show up as a purchase from Carnival with the rest of your sign and sail balance and you would not be hit with cash advance fees from your credit card (or the funky way they pay off cash advance balances versus purchases balances...)
I wish you would have asked how this works before you cruised, we could have saved you some grief (as this is a "trick" experienced cruisers know)
Carnival Cruise Lines:
Fantasy 90, Celebration 95, Victory 05, Conquest 05, Spirit 6/06, Freedom 6/08, Holiday 7/08, Victory 6/09, Valor 9/09, Dream 6/10, Splendor 8/10,Conquest 8/11,Magic 11/11,Triumph 4/12,Spirit 7/12,Freedom 11/12, Triumph 2/13 - The fire cruise
NCL Dream October 2006, RCCL Mariner OTS June 2007
Last edited by Jim C.; 07-21-2011 at 12:34 PM.