I have searched the board and found some of the answers that I needed about shipboard charging but I want to make sure that it is still accurate. I want to use my VISA DEBIT card when I enter the ship. Do they charge $500 right then and there on the card or do they wait until you have accumulated $500 worth of purchases on your card before charging it? I ask because it takes several days for my card to process a refund and we are going on to Universal Studios right after the cruise. I know that they refund whatever money you do not spend back to the original method of payment and I am worried that they will charge $500, have us spend only $300 and then refund the other $200 to my card, meaning that I will NOT have that money available to me until 3 days later which is a big problem. I know that other spend in excess of $3000 in shipboard purchases but as a single mom of 3 kids we are going to limit our onboard expenses to under $500. Also, what happens if you do not physically reconcile your account before you disembark? Do they check to make sure your account is paid before they let you off the ship? I have wondered how Disney handles this just out of curiosity. I plan to leave my VISA DEBIT card on my account but if I do not reconcile my account before I leave (since I am scatterbrained like that), will they just charge my account whatever we spent. I assume that they do it automatically if you do not stop in, right? Do they check you off a list or something when you leave the ship? Thanks in advance! This board is a great "support group" for those planning a cruise!