Hilton triple charged me. Months later I’m still fighting it
I made the mistake of not using a credit card to pay for an airline ticket. They canceled my flight at the last moment with no reason given, did not want to provide alternative transportation, and only offered to refund 80 euros of "credits" tied to that airline (far less than what I paid for the flight!). I never want to use that airline again, and would happily chargeback.
The problem with that idea is that sometimes Airline X is the only game in town for certain destinations. I have an Airline X that screwed my then girlfriend now fiancee and I over rather badly last year, forcing us to fly a day later than planned, with knock on impacts on our plans/schedule.
Airline X are a bunch of unregenerate, dishonest scoundrels who I'd cheerfully feed into a running woodchipper but the strongest position I can realistically take is that, where a viable alternative to Airline X is available, even if it's a bit more inconvenient or expensive, I'll use that alternative.
However, sometimes a combination of scheduling, availability, outbound airport, destination, and other constraints make it either literally impossible or practically impossible to avoid using Airline X.
So a few months after the unpleasant occurrence last year I had to use them once again for a one way flight because they were the only viable option. It pained me to hand over the money, and it pained me even more to watch them single out somebody in the queue for reasons that are obscure to me and make their life extremely unpleasant even though, apparently, they'd paid for the bag they were trying to bring aboard.
Scumbags. But I still needed to get home. So I can't afford to get barred by them.
Showed up in foreign country with negative balance before I realized their was a problem.
Airline said charges would fall in a week or so. Which was true. Spent hours on phone with airline. They did not care at all. But I was stuck with wife and a new baby and no funds for a week.
I now have multi bank accounts credit cards and cash for traveling.
Same I don't want to think if my flight delays for a few hours whether the host can give me the key, where we should meet etc. I just want to get in the room as soon as possible knowing that if I'm in a new place I can always count on the hotel staff for any help.
Definitely hotels win on many levels compared to private hosts
I've been in many both for work and for pleasure in 4 continents
Did you book through multiple methods and fail to cancel one?
Did they run three charges each matching the printed invoice?
It's unusual to come up with scenarios that would require much "fighting" to resolve.
The only overcharges I've ever incurred across thousands of hotel nights were my own fault for excessive cleverness*, and easily sorted.
* For example, playing off Hotwire's blind pricing with after hours front desk pricing.