How Much Does Carnival Hold on a Credit Card? Your Burning Questions Answered

Let’s cut right to the chase: Carnival Cruise Line typically places a hold of $100 USD per person, per day, on your credit card. This hold serves as a security deposit to cover onboard expenses not already included in your cruise fare, such as drinks, specialty dining, shore excursions, and souvenirs. Keep in mind that this is an estimated amount, and the actual hold may vary slightly. Understanding this hold is crucial for managing your cruise budget and avoiding any surprises during your voyage.

Understanding Onboard Holds: A Deeper Dive

The concept of a “hold” on your credit card can be confusing, especially when you’re anticipating a relaxing vacation. It’s not a charge, but rather a temporary reduction in your available credit limit. Think of it as Carnival temporarily reserving funds to ensure you can pay for your onboard spending. The actual charges will appear on your statement after your cruise concludes.

Why Does Carnival Place Holds?

Cruise lines like Carnival operate much like floating resorts. Passengers are often encouraged to enjoy a cashless environment onboard, using their Sail & Sign card for all purchases. This card is linked to your credit card (or debit card, though credit cards are generally recommended). The hold provides assurance to Carnival that you have sufficient funds to cover these onboard expenses.

The Impact on Your Credit Limit

The most important thing to understand is that this hold does impact your available credit. If you have a low credit limit, a substantial hold could prevent you from making other purchases during your trip or even back home. It’s essential to be aware of your credit limit and available balance before embarking on your cruise.

Navigating the Hold: Tips for a Smooth Sailing

Planning is key to mitigating any potential issues caused by the onboard hold. Here are a few tips:

• Know Your Credit Limit: Before your cruise, check your credit card’s limit and available balance. This will give you a clear picture of how much credit you have available after the hold is placed.
• Consider Increasing Your Credit Limit: If you anticipate spending a significant amount onboard or have a relatively low credit limit, consider requesting an increase from your credit card issuer.
• Pre-Purchase Packages: Carnival offers various pre-cruise packages, such as beverage packages, shore excursions, and specialty dining. Pre-purchasing these can reduce the amount of onboard spending and, consequently, the size of the hold.
• Monitor Your Spending: Keep track of your onboard spending throughout the cruise. You can view your Sail & Sign account balance at guest services or through the Carnival Hub app. This will help you avoid exceeding your credit limit.
• Settle Your Account with Cash: While not always the most convenient, you can settle your onboard account with cash at the end of the cruise to avoid credit card holds altogether.

Frequently Asked Questions (FAQs) About Carnival Credit Card Holds

Here are some common questions people have about credit card holds on Carnival cruises:

1. What happens if I don’t use all the money held?

Any unused portion of the hold will be released back to your credit card after your cruise. The time it takes for the funds to become available again depends on your bank’s processing times but generally takes 3-10 business days.

2. Can I use a debit card instead of a credit card?

Yes, you can use a debit card, but it’s generally not recommended. Unlike a credit card hold, funds are actually withdrawn from your bank account with a debit card hold. This can create more significant cash flow issues if you’re relying on those funds for other expenses. Furthermore, disputes with debit cards can be more complicated and time-consuming to resolve.

3. What if I have multiple people in my cabin?

The hold is applied per person. So, if you have a cabin with two adults, the hold will be $200 per day (assuming the standard $100 per person per day).

4. Does the hold apply to children as well?

Yes, the hold applies to all guests, including children, traveling in the stateroom.

5. How can I track my onboard spending?

You can track your onboard spending through the Carnival Hub app or by visiting the guest services desk.

6. When does Carnival place the hold on my credit card?

The initial hold is usually placed when you activate your Sail & Sign account, which can be done online before the cruise or at the embarkation terminal.

7. What happens if my onboard spending exceeds the initial hold?

Carnival may place additional holds on your credit card if your spending exceeds the initial hold amount. It’s essential to monitor your spending to avoid this.

8. How long does it take for the hold to be released?

The release of the hold depends on your bank’s processing times. Typically, it takes 3-10 business days for the funds to become available again. In rare instances, it can take longer. Contact your bank if you haven’t seen the funds released after 10 business days.

9. Can I pay for things onboard with cash?

While Carnival promotes a cashless environment, you can typically pay for things with cash at specific locations, such as the casino. However, you will still need to link a credit card to your Sail & Sign account to activate it. You can then settle your final bill in cash at the end of the cruise to avoid the credit card hold altogether.

10. What if I don’t want to use a credit card at all?

If you prefer not to use a credit card, you can deposit a cash amount at the beginning of your cruise to activate your Sail & Sign account. The amount of cash you deposit should cover your anticipated onboard expenses. Any unused funds will be refunded to you at the end of the cruise.

11. Are there any alternatives to using a credit card or debit card?

While less common, some passengers use prepaid debit cards. However, be sure the card is reloadable and accepted internationally. Check with Carnival to confirm if there are any limitations on using prepaid cards.

12. Does Carnival notify me when a hold is placed on my card?

You typically won’t receive a specific notification each time a hold is placed. The hold will simply appear as a reduction in your available credit limit. Check your online banking or contact your credit card company if you need confirmation of the hold amount and date.

Cruising with Carnival should be a carefree experience. By understanding the credit card hold process and planning accordingly, you can avoid any financial hiccups and focus on enjoying your vacation. Bon voyage!