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Don't think that you can use any credit card on the cruise ship. If you bring it wrong, you will cry.
generally speaking, it's safer to bring a double-logo credit card, such as UnionPay -VISA double-logo card and UnionPay-MasterCard double-logo card. I run a CCB credit card, usually with two cards, a UnionPay single-logo IC chip card and a VISA single-logo EMV chip credit card. The chip card is safer first. Moreover, the transactions of these two cards are recorded in RMB, and there is no currency exchange fee (cruise ships usually settle in US dollars).
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