Moose, I usually use my credit card at the Hotel for lodging and any meals, drinks or activities booked through the Hotel. As a rule I do not use the plastic out and about. I prefer to use Jamaican dollars when possible, but sometimes I don't have time to get to the ATM or Cambio to make change and then I'll use US dollars. If I use US dollars I expect to get my change in Jamaican dollars.

The exceptions to the rule are if I'm buying anything at the Duty Free Plaza or at the Duty Free in the Airport.

I use my Bank ATM card at the ATMs in Negril and usually try to withdraw Jamaican dollars.

As far as safety is concerned.... I've had more misuse of me credit cards here in the states than in Negril or anywhere else I've travelled.

Enjoy,

VVHT