Keeping a hold on my money even of I do not owe them anything. Really a bad aftertaste

We went on the cruise during March 2025 to Namibia. We booked a few on board stuff , like the Bon voyage package. And canapés. What a big let down. Dried out bread with randon toppings and a bit of seafood topping, that we can not eat! No one asked about allergies! The fruit basket was also filled with fruit that we needed a knife for peeling, it was not provided. This said, it was not in our room for the Bon voyage, we got it the next day!! The standard of service was not equil at all the bars. ( shouldn't they use the same receipe for ****tails at all.the bars? ) some you could drink.and some tasted like they do not know what was supposed to go into the mix. The soft serve guy straight up told us to wait, he is cleaning. We stood there waiting 20 minutes for him to just put the name card on the icecream. We left, way past opening time without any service. The shps dit not want to accept me paying with my credit card I was forced fo use the ships card don't know why. Beware of the "sale tables" the things are cheap, but you can not just buy the one thing you need for 40 dollars, you have to spend 200 dollars or more if paying by credit card. Needless to say I did not buy.anything. I did bought some sweets at the mini mall. 28 dollars worth, ( roughly R560) there is a hold for almost R3000 on.my credit card, still to this day. Eventhoug the transaction was reversed. I owed them nothing when I left the ship. Be aware that they also deduct money for a donation, you did not give concent to. We had to go cancell that donation, it goes off from everyone, you need to cancell if you do not want to give, but no one tells you this beforehand. The food was ample but one should expect more from the restaurant when dining there. It was definitely not special, the buffet was better and It was very very noisy! If it was not for the shows, it would have been a disaster.