How much does a cruise hold on credit card?

Decoding the Cruise Ship Credit Card Hold: What You Need to Know

Embarking on a cruise is exciting, but understanding the financial aspects beforehand can prevent unexpected surprises. One common question revolves around credit card holds – how much will the cruise line temporarily freeze on your card?

The answer, unfortunately, isn’t a simple number. While the exact amount varies, cruise lines typically place a temporary authorization hold on your credit or debit card upon embarkation. This isn’t a charge; it’s a hold to ensure sufficient funds are available to cover potential onboard expenses. The hold is released once you disembark and your final onboard account is settled.

Typical Hold Amounts: Many cruise lines utilize a tiered system based on cruise length. A common structure sees:

• Shorter Cruises (2-6 days): A hold of approximately $100 per stateroom is typical.
• Longer Cruises (7+ days): The hold increases, often reaching up to $200 per stateroom. This higher hold accounts for the increased potential for onboard spending over a longer duration.

Important Considerations:

• Per Stateroom: Remember that this hold is applied per stateroom, not per guest. If you’re traveling with family in multiple staterooms, the total hold will be significantly higher.
• Debit Cards: Debit cards are treated the same as credit cards regarding these holds. The funds will be temporarily unavailable, so ensure you have sufficient funds in your account to avoid any issues.
• Variations: While the $100 and $200 figures are common, specific amounts can vary depending on the cruise line, the specific cruise, and even the time of year. Always check the cruise line’s website or contact their customer service for exact details before your departure.
• Pre-Paid Expenses: Any expenses you’ve already pre-paid, such as shore excursions or specialty dining, will not reduce the amount of the hold. The hold is a precaution, not a reflection of your anticipated spending.
• Release Time: The release time of the hold can vary. While many lines release the hold immediately upon disembarkation, it can sometimes take a few business days for the funds to become fully available again.

Before You Go:

To avoid any financial headaches, take the following steps before your cruise:

• Check your credit limit: Ensure your credit card has sufficient available credit to accommodate the hold, plus any anticipated onboard spending.
• Contact your bank: Inform your bank about your upcoming cruise and the potential hold to prevent any unnecessary flags or blocks on your account.
• Confirm the hold amount: Visit your chosen cruise line’s website or contact their customer service to confirm the exact hold amount for your specific cruise before you depart.

By understanding the mechanics of cruise ship credit card holds and taking proactive measures, you can enjoy your vacation without worrying about unexpected financial complications. Remember, the hold is temporary, designed to safeguard both you and the cruise line, ensuring a smooth and worry-free voyage.