Everything is "charged" to the KTTW card..tips to the servers, head server, host/hostess..you can even "charge" those to the KTTW if you like....
However, you can still pay for all of those charges in cash, travelers checks,
etc. I never use a CC because I don't want that debt hanging over me when I get home. So, on our last cruise....
I had a $200 shipboard credit....
I checked my account every day or every other day....
When it the balance started getting low...I went to GS and put more money
(cash) on my account...
I kept a mental note on how much we "charged" and acted accordingly.
I paid all Room Service tips with cash, I paid all servers, host/hostess, etc. in cash..except for Palo those tips we included on our KTTW "charges"..
At the end of our cruise,
DCL owed me something like 40 dollars. I went down to GS after midnight on the last night(Friday or early Saturday morning) and got my cash...and
walked off the ship on Saturday morning....
owing nothing for our cruise(except getting the dogs out of the kennel).
It works well for us and like I said...we owed nothing at the end...
Phyllis