I booked with Agoda many times and I don't face any problem. Let see how long I'll make booking with them.

Also, I notice my RHB CC conversion from foreign currency to RM higher than my Maybank CC. I mostly use Maybank CC for overseas transaction than RHB CC because of this.

I think at the bottom of the credit card menu, they have one column stated if the booking name is the card holder or not. Meaning, the person who check in is not the credit card holder.

I made several booking for my mother in law hotel in Sarawak and Langkawi, so far so good. They allowed my mother in law to chk in even though she is not the credit card holder.