Worked for CC company for 7 years. If it gets to that point, call the company and let them know to expect a letter. The CC company is under no obligation to help you after a phone call -- it's the letter that starts the clock they are required to adhere to by their agreement with Visa or MasterCard. Ask where to send correspondence specifically for disputes. A good customer service rep will tell you what to include and may even fax you a letter template that helps them help you. If it's a smaller company make sure you have, at a minimum, the following: name, date of letter, cc # used, date of service, name of all travelers. In your story, make sure to use the words "service not performed," "denial of service," and "attempted to resolve with company management." After you tell the story, it would be a great idea to get an affidavit from the person who helped you at Aquamarina. Long story short, your CC company has full time employees who do nothing but execute their powers as narrowly defined by Visa (or MasterCard). They need to see evidence like itineraries and affidavits to help you. General word to the wise, Visa is much better with international disputes, MasterCard greatly reduces your dispute rights when you travel abroad. Good luck!

I will have a Belikin -- put it on klcman's tab.