Holds on CC for hotels etc

I am trying determine how much room to leave on my visa for our cruise. Besides the little bit of spending money we may want for souvenirs, it seems that the holds from hotels as well as the hold from the ship will leave a huge amount unable to be used. We will have a hotel the day before we sail so if that 100.00 hold stays in place the entire week plus the hold for an 8 day cruise which I read was 200.00 that's already 300.00 tied up. 

I can't remember how long a hold stays on your CC from a hotel, does anyone know?

Can you tell we don't travel much or at all? We have no clue what to ensure is on our visa vs how much cash to have. We aren't shoppers at all so other than some souvenirs we won't be purchasing much & our kids have been saving their money to use for anything special they want.


9 Answers

In my experience, the hold is dropped when the card is charged at checkout. Your card may be different, though.

If you are sailing on Carnival, you can set up a cash account onboard. That's what we always do--it helps us keep tabs on our spending and avoids the dreaded credit card hold. There is a no minimum amount required for your account, but you have to have enough cash to cover your purchases.

I know sometimes available cash when you are getting ready to cruise can be an issue (trust me--I know from experience LOL One time DH paycheck was a day late due to holiday and we cruised before we could deposit it. Got a little tight there). What you can also do is purchase Carnival gift cards either through the Carnival site or a retail store such as Kroger on your Visa and use those to fund your account. That way your cruise account is funded without the hold on your Visa.

Thanks! I am leaning towards the cash acct instead. I am in Nova Scotia, Canada so I can't find Carnival Gift cards locally. I just noticed on Carnival's shop that if you buy the gift cards online, any unused would not be refunded, I think cash is the way to go.

Appreciate the advice!

I forgot to mention we booked both our hotels through points so we didn't have to pay anything ahead of time & there currently is no hold but I assume a hold would still be charged when we checked in?

I think that hotel holds fall off when you check out, at least that's what I've noticed on my credit cards. As far a Carnival, I always buy carnival cash and use it while on board, if it looks like I'll have anything left over on the last night I go to the casino and transfer the balance to my casino bank then cash that out and take the cash.

ohh great idea!! So glad I have all of you here to help with questions. Thanks!

Sadly all of the above answers only apply if your credit card is issued by the same bank or holding company as the other posters. Each financial establishment has wiggle room within the banking regulations to set their own TOU on certain matters like holds or unverified pending charge.

How each card's issuer handles the release of these is up to them within your governments terms of lending and credit regulations and can vary card to card even from the same issuing company or bank. The BEST thing to do is to call the customer service number or visit the website printed on the back of the card or on the bill to hear or read exactly what your particular card will do in this instance.

Unfortunately we can't buy the Carnival gift cards up here in Canada, nor can we get the Carnival MasterCard, but we can buy the cruise cash online.

We use our credit card for our booking and setting up our account, but we use cash in the ports and only use our OBC that we have, on the ship. We really have no reason to purchase anything on the ship.

My advice is to call your credit card company to ask them about the hold because it may vary from one to another.

I agree, call you CC Co and find out. They are have different policies.


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