Since we don't charge your credit card, and since you never pay Luxury Concierge Travel for your vacation, you will never have to worry about this. When making your reservations, you provide us with your credit card information for booking. We, in turn, provide that information to the vendor (cruise, hotel, car, airlines, etc...). They then charge your card. This way you are assured that every payment you make towards your vacation is applied directly to your reservation.