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  #11 (permalink)  
Old 09-30-2006, 10:05 AM
Senior Member
Join Date: Jul 2006
Posts: 122
I called my credit union before we left to tell them we were going on a cruise. They said I would be fine using my debit card. I never had a problem in port or anywhere else.
  #12 (permalink)  
Old 10-01-2006, 08:06 AM
Join Date: Aug 2005
Location: North Myrtle Beach, South Carolina
Posts: 11,612
I am going to attempt to explain this again.

Debit Card = Available funds in a bank account.

Credit Card = Amount of credit available.

A Hold is a reserved amount that is placed on the account regardless if is a Debit or Credit Card.

5-8 Day Cruises is $200, they will increase this Hold if you go over the original hold with your account.

They do not "freeze" anyone's account. If you use a Debit card with a Bank Account with $350 in funds and they end with a $400 Hold then will not work untill the account is settled.

Let's say as a hypothetical I have $1500 available credit on a Credit Card. Carnival puts a Hold for $200, then increases to $400 when they see I am running up my tab. My Card would still work any where I went.

If someones Debit did not work after the Hold was placed it means they did not have enough funds available in their bank account to cover the Hold amount.
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