Hi, when I used our debit card, I don't believe they asked if it was credit or debit. However, they did charge the card when it got to about $200 automatically. I've heard different amounts $250, $350, so I'm not sure if it's changed. Since I know ahead of time that almost everything on the trip (excursions, tips, souvenirs, drinks etc.) will be charged to our room, I have the money already there instead of cash or travelers checks. We didn't know this last time, but we ended up taking both to guest services from time to time to pay on the account before it was charged.