divengolf
Contributor
Good advice, Hodge Podge. We will always pay by credit card from now on. We managed to get the Nekton deposit "credited" to our Visa and Visa will dispute it with Nekton. The deposit was only a small portion of the total, but it's better than nothing.
I second this advice. A couple days ago I was making a 2011 reservation with a well known LA op in the Pacific. They asked me to send a check for the deposit and told me that they only accept checks or wire payments for both the deposit and final payment. BIG RED FLAG!!
I explained that I would only pay by CC and my reasons why citing the Nekton situation as part of the reasoning. They claimed to be unaware of the Nekton issue which is certainly possible. Anyway it came down to either them accepting my CC for both the deposit AND final payment or me walking away from the trip which I was fully prepared to do.
After a day of "thinking about it", they elected to accept my CC payments and all is well. So stand your ground and be prepared to walk. I've run into a couple situations where the LA op wants the customer to pick up the 3% CC processing fee. Generally I try to compromise at spliting the fee. In this case, the fee was never mentioned.
One final thought on CC protection. I spoke with my CC processor and confirmed that most cards give you 60 days from statement date to dispute a charge. After that you're at the mercy of their good graces, even if it's a deposit for services never received. So when you place your deposit several months before the trip, you may not be able to recover it depending on the CC policies. However your final payment generally due 60 days prior to the trip date should be recoverable if you time it right depending on your billing cycle.