Replacing your card while on Tortola is a hassle.I use only once card and had to get that Fed Ex'd to Sebastian's as we don't have street addresses..and then had to inform accounts attached to my card. Not worth the hassle for a small charge for ferries IMHO..I also know I am not the only one whose card has been compromised after using a certain ferry company..Inter Island is the way to go if you don't mind Red Hook..great service and staff..