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Yes, our CCs were scanned at embarkation and processed I think early the morning of disembarkation. I had a mild panic when I realised this, as I wanted my 28 degree card to be charged in euro ( the on-board currency), not A$. No- one seemed to know, so I was shown to I think the pursers office and he confirmed euro charge.Holding passports in the Purser's office for entering countries such as Vietnam and Bali/Indonesia is the norm. Authorities then just check and provide a blanket visa. In the past from a port stop in Malaysia, we found a stamp in our passport once we left the ship. Obviously that was not the case with you and I cannot see any reason for them to hold your passport. No authorities came on board and you did not enter another country. Perhaps it was just habit because it was required for Indonesia? In any case, wasn't your credit card scanned at check in or arrival on board the ship? Scanning the credit card is the norm on every cruise I have ever been on. So if you did abscond, your bill would have been processed anyway. The cruise director's joke was indeed just a joke.
I'm sure if the CC wasn't processed cleanly for the full amount owing, the passport wouldn't have been given back easily!