Why did Carnival charge my card 200?

Understanding the $200 Pre-Authorization Hold by Carnival

When embarking on a Carnival cruise, passengers may notice a temporary hold of up to $200 on their credit or debit card. This pre-authorization is not a charge, but rather a security measure to validate the payment method’s validity and ensure sufficient funds for onboard expenses.

Purpose of the Pre-Authorization Hold

The pre-authorization hold serves as a guarantee that the passenger can cover any expenses incurred during the cruise, such as room service, dining at specialty restaurants, spa treatments, excursions, and other onboard purchases. By temporarily holding funds, Carnival can ensure that passengers have enough available funds to pay for their indulgences without exceeding their financial limits.

Duration of the Hold

The pre-authorization hold is typically released shortly after the cruise concludes. Carnival releases the hold as soon as possible after the final onboard payment is processed. In most cases, the hold is removed within a few days, although it can sometimes take up to a week depending on the issuing bank’s policies.

Why the Hold Amount May Vary

The amount of the pre-authorization hold can vary based on the duration of the cruise. Longer cruises may require a higher hold amount due to the increased potential for expenses. Carnival sets the hold amount to provide adequate coverage while avoiding excessive holds that could inconvenience passengers.

Impact on Credit Card Availability

While the pre-authorization hold is not a charge, it does reduce the available credit limit on the passenger’s card. This may affect purchases made with the same card before the hold is released. Passengers should be aware of this potential limitation and plan accordingly.

Exceptional Circumstances

In some exceptional circumstances, the pre-authorization hold may not be released immediately after the cruise. This could occur if there is a dispute regarding onboard expenses or a request for a refund. In such cases, passengers should contact Carnival directly to resolve the issue and ensure the hold is released promptly.