I stopped using travelers checks years ago. It's easier to just be careful. I pay the shipboard account with my debit card. I use a credit card for any large on-shore purchases. And I allot $100.00 a day for extra tips and small on-shore purchases, which I take in cash, and usually bring about half of it home.
We always carry Traveler checks as they are very safe. We never carry actual cash on us at all any more. We always use either credit cards or if they require cash we use our traveler checks. We are going into a cashless society as in Canada we use our debit card to buy everything or credit cards. My kids never have cash on them.
We use our Amex for our shipboard account. We take traveler's checks for my gambling, cab fare, on shore souvineers, tips, on shore food/drinks, etc. My bank informed me they're going to go to a debit card system for traveler's checks this year. Don't know how that works for getting cash, but I guess I'll find out.
Dave, now you know 2 people that still use traveler's checks. I do the same as Penny. I bring them for gambling cash (Carnival charges a 3% fee for getting gamling cash on the credit card) But use plastic for most of the rest (aside from some cash for small purchases.
For what its worth, RCCL didn't charge a fee to get cash, so it could depend on the cruise line.
We always have our Cruise paid for before we go. Our cruise next October is paid for, we have booked and paid for shore excursions, I have bought enough Gift Certificates to cover our sign and sale account, we will still give them our visa information. I have enough cash set back in my secret place for extra tips or stuff we will buy onshore. I have a vacation debit account that we move a little money into, as does my wife. Why two accounts you ask? We are both on the accounts I just use one and she uses the other, they are separate from our other accounts and if lost or stolen no one is going to get very much money. We do carry another card in a more secure place.
I'm as surprised as Dave. I didn't know anyone used Travelers Checks for anything anymore. Also, thanks for the info on the 3% fee Jim. I didn't realize there was a fee with any line if you had an onboard account and just wanted to get some cash to be added to that account. I don't recall ever being charged a fee on any line but it's been a few years since I sailed CCL.