Will be available within 24 hours after the cruise ends and have 90 days to download.You can download the portfolio after the cruise, but you only have a few days to do so.
THAT is good to know. My wife and I will have our own spending money so that will be very helpful.You put a credit card on file at some point in your registration and indicate who in your room can charge to it. You can have different cards for different people if you want to. You can also load your onboard account with gift cards, Disney Rewards cards, etc. if you have them at guest services when you board. That gets used first, and then additional charges go to the card on file. You don't have to add more, it just gets added to your card on file. You can look at the charges on the cruise app or on the TV in your cabin. You can download the portfolio after the cruise, but you only have a few days to do so. I hit is pretty close; I had loaded some discounted gift cards and Disney Rewards, and at the end of the cruise I owed $7.51.
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