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You can have any cancellation policy or defense to chargebacks. All supposed guest has to tell bank that they did not receive service, or the property was not their standard, even after staying. The bank will decline the chargeback refund based on policy or client dissatisfaction. In the meantime you have paid Booking.com that Booking.com is very reluctant to credit you. Booking.com does not have your interest in mind rather how best to milk you. Non-refundable rate is only good for Booking.com