CC registration changes
-
Topic author - Third Officer
- Posts: 125
- Joined: August 2013
CC registration changes
When registering your Credit Card before boarding you will now have to input your 4 digit code and also £50 debit will be put on your account to register your card. Cannot understand why, no explanation from P & O.
-
- Site Admin
- Posts: 9443
- Joined: January 2012
- Location: Lancashire
Re: CC registration changes
It is not a £50 debit but a £50 pre-authorisation - exactly the same as you do when checking in at an hotel.
I would guess that there has been an increase in the number of credit/debit cards not being valid and causing problems later.
I would guess that there has been an increase in the number of credit/debit cards not being valid and causing problems later.
-
- Third Officer
- Posts: 190
- Joined: July 2013
Re: CC registration changes
A pre-authorisation, not a debit, will be put on your account. This effectively ring fences some or your credit to ensure that you have sufficient funds to make a payment when it becomes due.
https://ask.pocruises.com/help/PO/fleet/pay_onboard
Most hotels operate a similar system.
Your card will not be charged until your final account is issued at the end of the cruise.
You should also be aware that once your on board account goes above £50, then the pre-authorisation will be increased accordingly on a daily basis.
This has always been the case but you may not be aware as the pre-authorisations do not appear on your account other than your remaining credit will be reduced.
Brian
https://ask.pocruises.com/help/PO/fleet/pay_onboard
Most hotels operate a similar system.
Your card will not be charged until your final account is issued at the end of the cruise.
You should also be aware that once your on board account goes above £50, then the pre-authorisation will be increased accordingly on a daily basis.
This has always been the case but you may not be aware as the pre-authorisations do not appear on your account other than your remaining credit will be reduced.
Brian
-
- Senior First Officer
- Posts: 3367
- Joined: February 2013
Re: CC registration changes
Whaaat?
Ok, so they are doing this £50 block and hoping that a passenger is going to spend that or more. What happens then if a passenger blocks the auto top and doesn't spend anything? Does the £50 block still stay on the card? Blasted cheek, and so is the business of adding the auto tip shortly after embarkation - before any length and appropriate standard of service is provided.
Ok, so they are doing this £50 block and hoping that a passenger is going to spend that or more. What happens then if a passenger blocks the auto top and doesn't spend anything? Does the £50 block still stay on the card? Blasted cheek, and so is the business of adding the auto tip shortly after embarkation - before any length and appropriate standard of service is provided.
-
- Senior First Officer
- Posts: 2407
- Joined: January 2013
- Location: South Wales
Re: CC registration changes
This was a topic on Facebook last week - people were getting very uptight about it - it was being presumed that you had to tell P&O your 4 digit code and they definitely weren't doing that and the arguments became very heated - for the life of me I don't see what all the fuss is about
Janis
-
- Third Officer
- Posts: 190
- Joined: July 2013
Re: CC registration changes
The only difference I can see is that you now have to enter your 4 digit PIN when you check in just like any other purchase. Previously, they just swiped your card, so you could present any old card, not necessarily yours.
Brian
Brian
-
- Site Admin
- Posts: 9443
- Joined: January 2012
- Location: Lancashire
Re: CC registration changes
Me neither
-
- Site Admin
- Posts: 9443
- Joined: January 2012
- Location: Lancashire
Re: CC registration changes
It will "roll off" after a week to ten days depending on the bank.
You can remove at any time up until the last night.
-
- Senior First Officer
- Posts: 3367
- Joined: February 2013
Re: CC registration changes
The fuss is all about what I will call being taken advantage of. I firmly believe that people shouldn't be press-ganged into ( for instance) tipping. To add a charge for service which is yet to be provided is nothing short of extortion, and with the benefit of experience that's how I feel. In the past, when I've looked at an onboard account, the tip is normally applied at the start of a cruise. I most certainly do not approve of having to enter my pin, and doing so then means that during a cruise I shall have to check the account regularly for peace of mind. Previously, another passenger on a cruise has taken goods from an onboard shop and mistakenly given my suite number to charge the purchase to. It wasn't a cheap item, it might have been an innocent mistake, but I wasn't amused at how open the charging system was to such a situation.
-
- Site Admin
- Posts: 9443
- Joined: January 2012
- Location: Lancashire
Re: CC registration changes
I could possibly agree with that if you paid it at that time but you do not pay your account until the end of the cruise (certainly that is the system with P&O - other cruise lines may operate a different system)
Do you mean your onboard account or your credit card account? Actually it makes no difference, it is exactly the same as now just with an added level of checking for a valid card. All charges to your account are pre-authorised each night now - with or without a pin and checking one's onboard account during the cruise is something that I have always done - mistakes do happen.
-
- Site Admin
- Posts: 9443
- Joined: January 2012
- Location: Lancashire
Re: CC registration changes
I wonder if this entering pin number is something that the card processing company have enforced after the debacle earlier in the year.
-
- Deputy Captain
- Posts: 5613
- Joined: March 2013
- Location: Instow Devon
Re: CC registration changes
I must admit that I didn't give it a thought on my last cruise.
The Lady asked me to authorise with my pin and I did.
I just assumed I'd always done that.
I really don't see it as an issue.
The Lady asked me to authorise with my pin and I did.
I just assumed I'd always done that.
I really don't see it as an issue.
Empty vessels .. and all that
-
- Deputy Captain
- Posts: 5613
- Joined: March 2013
- Location: Instow Devon
Re: CC registration changes
Boris, you do realise that you can take any tips off if you want to, don't you?Boris+ wrote: ↑13 Sep 2017, 06:30The fuss is all about what I will call being taken advantage of. I firmly believe that people shouldn't be press-ganged into ( for instance) tipping. To add a charge for service which is yet to be provided is nothing short of extortion, and with the benefit of experience that's how I feel. In the past, when I've looked at an onboard account, the tip is normally applied at the start of a cruise. I most certainly do not approve of having to enter my pin, and doing so then means that during a cruise I shall have to check the account regularly for peace of mind. Previously, another passenger on a cruise has taken goods from an onboard shop and mistakenly given my suite number to charge the purchase to. It wasn't a cheap item, it might have been an innocent mistake, but I wasn't amused at how open the charging system was to such a situation.
Personally, I've held the belief that if you can't afford the tips, you probably can't afford the cruise, but each to their own.
I know a guy down here in Kent who is absolutely loaded but always removes gratuities when cruising.
He did a Caribbean and back last year and not only didn't pay a penny in tips (24 nights) but was actually boastful of it.
I just think that's mean.
Empty vessels .. and all that
-
- Commodore
- Posts: 15361
- Joined: February 2013
Re: CC registration changes
I don't get the fuss. Hotels do this all the time. And surely the point is it protects us from someone else registering a bogus copy of our card. If I have to use my PIN in a supermarket why not on a cruise?
-
- Senior First Officer
- Posts: 3367
- Joined: February 2013
Re: CC registration changes
Firstly, I'll admit that on our forthcoming cruise I am definitely going to remove the suit tips as soon as is practical on embarkation day. I fully intend to discreetly tip anyone who provides us with good service, and that at the end of the cruise if good service has been provided then envelopes with thank you notes and tips will be left in the suite before we go up for breakfast.
Secondly, I always check accounts daily, it's part of my routine, but I check the onboard account sometimes twice daily. That means that any faults are seen and corrected quickly, and we don't get involved for queueing with account queries at the end of a cruise.
What's the difference between giving a pin in a shop as opposed to an hotel or cruise ship? Simple, in a shop the transaction is over and done with, it's closed. With a ship or an hotel it's very much an open situation. Ignoring it is crass. Ok, the would hopefully be a track able trail, by t having had to tolerate theft before, I simply don't play that game.
Two sorts of people I don't like.... (a) people who had had reasonable service and don't tip, (b) those who tip loudly and brashly and brag about it. It should be done discreetly.
Secondly, I always check accounts daily, it's part of my routine, but I check the onboard account sometimes twice daily. That means that any faults are seen and corrected quickly, and we don't get involved for queueing with account queries at the end of a cruise.
What's the difference between giving a pin in a shop as opposed to an hotel or cruise ship? Simple, in a shop the transaction is over and done with, it's closed. With a ship or an hotel it's very much an open situation. Ignoring it is crass. Ok, the would hopefully be a track able trail, by t having had to tolerate theft before, I simply don't play that game.
Two sorts of people I don't like.... (a) people who had had reasonable service and don't tip, (b) those who tip loudly and brashly and brag about it. It should be done discreetly.
-
- Site Admin
- Posts: 9443
- Joined: January 2012
- Location: Lancashire
Re: CC registration changes
The answer is simple - if you don't like the system of using a CC then pay in cash - or perhaps don't use cruise lines that have this system.
-
- Ex Team Member
- Posts: 13014
- Joined: January 2013
- Location: Dorset
Re: CC registration changes
I would suspect that it is being done to counteract increasing levels of fraud ... no big deal as far as I am concerned but then we don't travel on the edge financially.
ps ... Fred Lines hadn't put this in place as of Sept 8th 2017.
ps ... Fred Lines hadn't put this in place as of Sept 8th 2017.
Keep smiling, it's good for your well being
-
- Captain
- Posts: 12153
- Joined: January 2013
- Location: Oxfordshire
Re: CC registration changes
I'm definitely with the "so what" brigade here. It is standard practice with most major hotels and I cannot see what the fuss is about. No one quibbles about entering a PIN when buying a bag of apples in Sainsbury's.....do they ?! I think it is a positive thing and helping to prevent fraud and protect us all. Get over it !
-
- Commodore
- Posts: 15992
- Joined: January 2013
- Location: Down Souf. The civilised end of the country :)
Re: CC registration changes
Can't afford they're pricesqbman1 wrote: ↑13 Sep 2017, 10:06I'm definitely with the "so what" brigade here. It is standard practice with most major hotels and I cannot see what the fuss is about. No one quibbles about entering a PIN when buying a bag of apples in Sainsbury's.....do they ?! I think it is a positive thing and helping to prevent fraud and protect us all. Get over it !
-
- Site Admin
- Posts: 9443
- Joined: January 2012
- Location: Lancashire
Re: CC registration changes
No need - my card is "contactless" so just tap the card on the machine and job done!
-
- Senior First Officer
- Posts: 3367
- Joined: February 2013
Re: CC registration changes
When I make a shop purchase, whether it's contactless or pin entry that's ok, I take the items, I get a receipt, case closed.qbman1 wrote: ↑13 Sep 2017, 10:06I'm definitely with the "so what" brigade here. It is standard practice with most major hotels and I cannot see what the fuss is about. No one quibbles about entering a PIN when buying a bag of apples in Sainsbury's.....do they ?! I think it is a positive thing and helping to prevent fraud and protect us all. Get over it !
I am not happy about giving anyone freedom with any of my accounts. Personally I think that anyone who has a cavalier attitude to their personal finance is a complete wally. Whether that person can afford it is irrelevant. So playing the 'what if' game, how would you like it if someone helped themself to pecuniary gain at your expense? Even worse, what if that gain through theft lead to someone obtaining and misusing drugs, then driving and killing somebody you care about?
Ok maybe the odds are against that, but the odds are still there.
-
- Deputy Captain
- Posts: 8977
- Joined: January 2013
- Location: Huddersfield
Re: CC registration changes
Since we are only discussing the cruise lines request for passengers to input their PIN to allow them to cover your spending whilst on board, then I assume when you refuse and they deny you boarding you will walk away without creating a fuss and, since you will be in breach of their T&Cs, without any refund or recourse to compensation?Boris+ wrote: ↑13 Sep 2017, 12:15When I make a shop purchase, whether it's contactless or pin entry that's ok, I take the items, I get a receipt, case closed.qbman1 wrote: ↑13 Sep 2017, 10:06I'm definitely with the "so what" brigade here. It is standard practice with most major hotels and I cannot see what the fuss is about. No one quibbles about entering a PIN when buying a bag of apples in Sainsbury's.....do they ?! I think it is a positive thing and helping to prevent fraud and protect us all. Get over it !
I am not happy about giving anyone freedom with any of my accounts. Personally I think that anyone who has a cavalier attitude to their personal finance is a complete wally. Whether that person can afford it is irrelevant. So playing the 'what if' game, how would you like it if someone helped themself to pecuniary gain at your expense? Even worse, what if that gain through theft lead to someone obtaining and misusing drugs, then driving and killing somebody you care about?
Ok maybe the odds are against that, but the odds are still there.
John
Trainee Pensioner since 2000
Trainee Pensioner since 2000
-
- First Officer
- Posts: 1295
- Joined: January 2013
Re: CC registration changes
I wonder if Boris is TRYING to be controversial again, as suggested by another poster on a different thread.
Drama Queen ....would be more apt I think.
Sue
(another Wally I guess, as I don't see anything wrong with what is requested by the cruise line.)
Drama Queen ....would be more apt I think.
Sue
(another Wally I guess, as I don't see anything wrong with what is requested by the cruise line.)
-
- Senior First Officer
- Posts: 3819
- Joined: January 2013
- Location: Derbyshire
Re: CC registration changes
I'm another 'so what'(er) it doesn't bother me when the gratuities are added to the account as I fully intend leaving them there, IF ( and this has never happened yet ) I were to receive bad service then I have the option to remove them before disembarking the ship so I certainly wouldn't be worrying about it on day one.
I may be quite strange but very often I don't even look at the final account until we arrive home, not really a lot of point as I would certainly not queue on the last morning to have something corrected, I would do one of two things .. contact the cruise line in question and if I got no joy there I would wait for the credit card statement to arrive and request them to withhold payment as it was a disputed account, it would then be up to the cruise line to prove I had made the purchase they were charging me for .. simples !!
I may be quite strange but very often I don't even look at the final account until we arrive home, not really a lot of point as I would certainly not queue on the last morning to have something corrected, I would do one of two things .. contact the cruise line in question and if I got no joy there I would wait for the credit card statement to arrive and request them to withhold payment as it was a disputed account, it would then be up to the cruise line to prove I had made the purchase they were charging me for .. simples !!
Jo
-
- Senior First Officer
- Posts: 3367
- Joined: February 2013
Re: CC registration changes
Towney, I won't refuse to provide the pin if asked, but will send a strongly worded email, and I will also both remove the auto tip and keep a watchful eye on my accounts.
To assume is foolish, and if cruise ships think I'm going to be spending (well what I call spending anyway) then they've got it badly wrong? We don't drink. the jewellery clothing and accessory offering is poor, any excursions are dealt with before leaving home, and we're neither bored nor vain enough to use the spa treatments, which leaves just about zero to spend on. Oh yes I forgot, the so called art gallery is hideous, and we can do our own photography.
To assume is foolish, and if cruise ships think I'm going to be spending (well what I call spending anyway) then they've got it badly wrong? We don't drink. the jewellery clothing and accessory offering is poor, any excursions are dealt with before leaving home, and we're neither bored nor vain enough to use the spa treatments, which leaves just about zero to spend on. Oh yes I forgot, the so called art gallery is hideous, and we can do our own photography.