Recent cruise undertaken by myself and four friends. Ship great but dreadful experience in terms of their charging structures. If you purchase on board they process it through your credit card and also hold the equivalent funds or more on your credit card depriving you of those funds. Charges processed were way in excess of expenditure. After complaining they blamed the banks 4 different banks! Took 10 days to resolve. An absolute nightmare to deal with. Never again and exchange rates used had huge margins in their favour.