I have received a call this morning from a US holiday company and have been offere a package holiday for $998. I have explained to the salesman that I do not have enough money at the moment in my credit card, but as he insisted to check that I have a credit card I reluctantly given up my details, but not before I have been re-assured I won't be charged before 90 days, so i can put money in, or cancel if I change my mind. Guess what? They charged me straight away and then I had to argue with the man about me not authorising the transaction. I called my bank straight away, but they said they cannot anything until the payment has cleared up. Now I am in minus on my credit card.