Not necessarily. You can give them cash or travelers' checks or the equivalent and then charge up to that amount. They will refund (obviously) any amount over what you charged.
On our recent trip, I gave them my credit card number, and then paid the daily charges off in cash each evening. We always took a walk at night, so stopping by the desk was no problem. At the end, I put what was left, about $100, on the CC.
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