Never use a credit card on the ship for additional expenses. You only get your money back after a couple of days.
Also, you need to check your statement regularly and to the cent - a friend's 6 year old son apparently booked excursions for himself and a couple of people on my friend's account. The only way that they reversed it and agreed is that they realised that there was no way that a 6 year old could have done so.
If you want to have laundry done - be very careful how you complete the form or ask. You may end up with ridiculous charges.
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