On board payment

Yes, each person in a cabin can use their own form of payment. As for changing later on, I'm not sure about that but I believe so.

With NCL you can change or edit info as often as you like in your e-docs upto about 2 days before sailing. After that you can change things at the terminal during check-in or on board at the Guest Services desk.

Each person can use their own method of payment for their on board account or you can allow charging privileges to a master account. You can also use a mix of payment methods, by putting a credit card on file, but then going to Guest Services to deposit cash anytime during the voyage up to around midnight of the last evening aboard. Items, orders, and services purchased or automatically charged (like the discretionary service fee) will be posted against the account as accrued, first using any on board credit, then cash or travelers cheques, and finally if the amount surpasses deposits to a credit card.

My personal recommendation is if you plan on using a debit card or even a prepaid credit card, use cash instead. The simple reason being is test charges are made periodically during the cruise. Most banks and prepaided companies turn around and treat these test charging as pending purchases placing a hold on the funds in the account for up to 10 banking days (which can be around some some holidays 14-16 calendar days). The hold placed on the funds, though not actually taken out of the account, reserve those amounts as a possible future payment reducing your available balance amount. If it doesn't cause an overdraft situation, it will at best delay your ability to use that card following the cruise till all of the pending test charges fall out for lack of authorization.

Yeh we link our regular c/c to it when we pay them. and yes you can change it. prior to or even during the cruise thus last cruise I noticed about 5-6 "pending charges" on it..they all disappeared in a few days, but the last type of card I would use is a debit card. Want to bet a lot of folks are clueless about the mechanics of all this?

Interesting. My understanding with NCL was that the on board account was done on a per cabin basis and not billed separately to individuals sharing the same cabin. Might be wrong on that ... I have known to be wrong once before.

I might have misunderstood that too. I would be very interested in hearing from folks who have managed to bill their accounts to a separate source EACH even while sharing a cabin. Their "relationship" is not the issue.

In all honesty I do believe when doing the e-docs it would only accept one form of payment for the whole cabin , but we split the account at the terminal.When DH and I sailed the Breakaway, we keep our spending accounts separate. Each of us put down a credit card that was issued in a single name only and each credit card had a $200 test charge submitted on embarkation day. MIdway through the cruise I changed my account to a cash based one (nice casino win), while my husband continued his on his original cc.