BAK1061
Contributor Level: Captain

Cruise Ships & Credit Cards. Not Seaworthy

they are called ; Affinity Cards.   You have probably received e-mails telling you how you can earn points towards your vacation on your favourite cruise line.    I got one this morning from Norwegian.   Wink

Just for $hitz & Giggles, I decided to look at the rates. Surprised   O. M.  G !!!!!!

First of all, the opening rate is determined by your credit worthiness. Anywhere from 12.99%-22.99% !!!!!!!!!   If you are late, it can shoot up to ( sit down for this )......29.99% !!

AngryAngryAngry      30% interest if you're late.    That means, if you buy $100 worth of t-shirts on the ship, it will actually be $130 on your statement !!!!!!!!

 

People, avoid these offers.   Tempting as they are, they aren't worth it.  Forget about those bonus points.   If you do use a credit card, shop around for a better rate.  Like, maybe from the guy in that back alley.   He'll only break your arm. Once.

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11 Answers

Johngold
Moderator
Contributor Level: Captain

Wow, Sounds like the Jewelry Store on NCL. No interest if you pay within three months.

But you can't pay on line....must go snail mail.... then if you are late. the interest charge for the whole purchase gets added in one shot.. Great deal at the time, but Snail Mail take sometimes ten to twelve days to process. 

BAK1061
Contributor Level: Captain

Never heard of that plan, but then, we seldom buy jewelry on the ship.  The watch I almost bought on the Breakaway I saw for $100 less on Amazon when we got home.  I still didn't buy it, probably because the pressure to purchase was off.

CrusinTim
Contributor Level: Cruise Director

Hey BAK, I'd love to know how the "point" system works too! In other words, how much do you have to buy on the card to earn enough points for a decent discount on a cruise. And, if your interest rate is 30%, when you do the math after earning those points, you probably end up paying brochure rates!!

BAK1061
Contributor Level: Captain

Ok, I'll try.

It's a MasterCard, offered through Bank of America.

You earn 1 point for every dollar spent, net purchase.    2 points for every net dollar charged through Norwegian.   By net dollar, sales tax is not eligible for points.   Points are valid for 5 years.  Rewards begin at 2500 points.    Air rewards may be subject to a maximum dollar value.

There is a special 10,000 bonus points given the first time you use the card within 60 days.  Also, a $50 Norwegian gift card if you purchase $500 worth of goods within 90 days.

DisplayName
Contributor Level: Deck Hand

Or you be smart and pay it off every month -- not hard to do once you learn that money is not just for spending. I have 2 affinity cards that I reap the rewards of but have never paid a dime of interst

WeCruiseToo
Moderator
Contributor Level: Captain

Yep, the secret to credit card reward programs is to never carry a balance.  For us it’s airline points.  We need to fly to get to a lot of the cruises we want to go on but the flights are often far more expensive than the cruise!  We’ll charge everything, even a single postage stamp, to the airline card but we’re sure to pay it off every month and not pay any interest or fees.  We’ve been doing this for years (decades?) and it’s worked great for us.

glomarrone
Contributor Level: Admiral

OK I have to fess up to using the Carnival Mastercard Credit Card.  I use it for all my purchases.  I ALWAYS pay the balance on time & have never incurred a late charge.  I have taken two free cruises on Carnival with my rewards points.   On my last cruise, I used all my points to pay for many of my shore excursions on HAL.  I pay for my cruises using the card so I rack up points fairly quickly.  Getting double points, triple points or even quadruple points helps a lot.  However, if you are someone who doesn't pay in full each month, don't use these cards.  I use automatic payment for my card's bills.  The card works for me but is not for everyone. 

Bubba54
Contributor Level: Captain

My question is how many points for a free 7 day cruise?

WeCruiseToo
Moderator
Contributor Level: Captain

For the Carnival card, the Terms and Conditions says: “The amount of Points needed to redeem will vary by transaction.”  The current incentive to sign up for the card is 5,000 points and says: “that’s enough for…up to $50.00 off your next cruise”.  So, for everyday purchases you can get $0.01 off your cruise for every $1.00 you spend.  Like Gloria said though, you get double value for spending within the “Carnival family” and they’ll run specials on occasion where you can earn more points.

Bubba54
Contributor Level: Captain

Thanks for the info.

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