We too are or should say were timeshare owners. We visited Grand Cayman in November and it was beautiful. We used our credit card for pretty much everything since our card does not charge us for the conversion. When not using credit we used US Dollars which is worth less than the GC dollars. Change was usually give back in GC dollars. Credit Card in my opinion is the best way to go. Enjoy Grand Cayman it is really a beautiful island!