Credit or charge cards are a fourth important source of cruise travel funds. The most widely accepted credit cards are Visa, MasterCard, American Express, Diners Club and Discover. Using a credit card also offers the benefit of a wholesale bank exchange rate and many credit cards offer perks like cash rebates or airline mileage.

Most importantly, when you use a credit card for purchases, you get some form of purchase protection. Never pay for a purchase to be shipped without using a credit card. Pay cash and fail to receive the goods…you are out of luck. Use a credit card for purchase and you have some “insurance.” Check with your card company before leaving to determine what travel benefits and protection are offered.

Even if you are opposed to using credit cards on a daily basis, cruise travel experts strongly recommend that you take at least one major credit card with a high available balance for travel. If you have a medical emergency or another type of emergency, a credit card is a must-have.

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