I paid for a cruise using my Carnival MAstercard. The night before I was scheduled to cruise, I went online to check my available credit. . I was stunned when I discovered that my account had been closed 3 days earlier - 3 days before the cruise WITHOUT NOTIFYING ME AND AFTER TAKING a $600 payment. I was scheduled to take a cruise the next day and that $600 was my expense money. I was stranded and trying to borrow money to pay my hotel bill and other expenses. I have always maintained this account and usually pay over the minimum.
To add to my shock, the last person I spoke to on the phone Saturday night was rude, disrespectful, and seemed to take pleasure in my troubles. She suggested I get a "payday loan" (on Saturday night and I was leaving for the cruise port on Sunday morning). Never did she apologize or even seem sympathetic. I was told that Carnival had the right to close my account at anytime. I asked if a portion of my payment could be refunded and was told no – they also had the right to accept a payment at their discretion. I should have made my minimum payment and kept my money for cruise expenses. I was just trying to get my Carnival Fun Points.
Carnival Cruise Line should not be associated with a bank that would do something like this. As far as I am concerned, whoever reviewed my account could see that I was going on a cruise soon. This was just plain evil.