Ok I'll try to keep this short and simple. So I'm going on a cruise in October and the cruise line is going to put $500 hold on my checking account unless I have a major credit card, upon which then no hold is placed. So I need a major credit card but I'm not sure which route to go. Do I apply for one at my bank, or do I apply for one online like at Capitol One's website? Or would it be acceptable to just apply for a major credit card through a store, such as the Best Buy Mastercard or something like that? I just don't know which one would be easier to get. Any and all help are greatly appreciated. Thanks.

Ok I'll try to keep this short and simple. So I'm going on a cruise in October and the cruise line is going to put $500 hold on my checking account unless I have a major credit card, upon which then no hold is placed. So I need a major credit card but I'm not sure which route to go. Do I apply for one at my bank, or do I apply for one online like at Capitol One's website? Or would it be acceptable to just apply for a major credit card through a store, such as the Best Buy Mastercard or something like that? I just don't know which one would be easier to get. Any and all help are greatly appreciated. Thanks.


I personally would go to a bank, a bank you already do business with, and apply for a credit card at the best interest rate they will give you.

I would most definitely NOT go on a cruise with only a $500 "guarantee." If you get sick or there is some other problem you would have some serious problems getting help/treatment without sufficient funds.