Online Banking Software

When you search over to a cruise win or cruise giveaways agency's Web site, or call up their 800 number, you may be speaking with one of the top cruise-only wholesalers in the country, a local franchisee of a large full-service travel company, or a very experienced cruise professional at a small travel agency. Or, it may be a novice running off of his or her kitchen table.

So, how can you tell the difference and find a great, reputable travel agent or agency -- and stay away from a bad reservation experience?

Unfortunately, agents tell us that the travel business is not well-regulated, and just about anybody can just print up business cards, hang out a shingle and start retailing travel. The majority of states do not necessitate any sort of registration, certification, licensing or customer protection measures for travel agencies, although this is beginning to change. Bottom line: It is important to know who you are dealing with.

Your best bet is to speak to pals, co-workers, family members and associates and ask them if they know of a good, legitimate, local agent who focuses in cruise sweepstakes. But here are a couple of more tips for avoiding cruise travel scams -- and spotting a less-than-reliable agency and protecting your expense before it's too late.

Pay with a credit card. For your finest protection against either a dishonest seller of travel or likely supplier bankruptcy, always payoff for your cruise fare -- both the upfront deposit and the final payment -- with a main credit card such as Mastercard, Visa or American Express. Under the Fair Credit Billing Act, you are entitled to protection (via a chargeback of disputed fees to your account) if a distributor fails.

Important note: This security may not carry out to those who are debit or check cards; it's important to verify policies with your issuing bank before you charge.

Make sure your money is in the proper hands. After you've made a payment, review your credit card or bank records and make sure that any applicable charges come immediately with the cruise line, not with the travel agency. That way, you'll understand that the cruise line has certainly obtained your money. If you must make payment by check or money order, it should be made payable to the cruise line -- not to the business or to a person.

Get the right confirmation of your booking. Insist on getting the real cruise line's approval numbers, not just a confirmation number from your agency. Not only will you then know that your data and money is in the correct hands, but you'll also be able to preserver shore excursions, restaurant plans and spa appointments (where available) on the cruise line's Web site.

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