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Here in the Cook Islands, we were getting high cancellations and fake bookings. In the last two months we have changed to 'non refundable 30% deposit' and this has changed our business overnight. Any card declines we get on booking, we just send back to booking.com as 'card declined' then cancel booking. We charge the balance of 70% 30 days ahead of arrival. For us, everyone has to arrive by international flights so we very rarely get last minute bookings so having last minute cancellations, card declines, or no shows was crippling.