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P&O don't give cash advances on any Cards Debit or Credit. You need to take your cheque book, or cash, with you to get foreign currency. I have used a cheque in the past and there are no problems with getting foreign currency.
Exchange rates on cruise ships are never favourable so why not use a cash point when ashore as you would in this country using a Debit card preferably, the bank charges on your card are always better than the cruise lines.