Terrible organization to deal with. Booked a flight with a merchant and my bank account was debited. Merchant was then supposed to credit my account and requested this via Master Card. No credit appeared. I wrote to MasterCard and they said they would get back to me in a few days. Months passed and no contact , wrote to them again and they told me to contact the bank. I contacted the bank who said MasterCard had not passed and credit. Wrote to MasterCard again an they told me to contact the bank and said they don't deal with Merchants !!!. Really MasterCard you cant tell the difference between a customer and a merchant and are the only CC company in the world who does not deal with Merchants ??. So no choice now but to make a formal complaint to the consumer protection people to get MasterCard to act responsibly and comply with their obligations to their customer. Meanwhile I will change all my cards to Visa now who I have no problems with.