First, what i wanna say, developer will listed out term and condition before place booking, like with 2 loan rejected letter, fully refund. Some developer will get admin fee 100,even with loan rejection letter. Developer oso will stated, if without loan rejected letter, fully forfiet booking fee. All term and condition, developer will list out, main problem is agent have tell buyer regarding this matter or not, and the most important is must bank in to developer bank account, not personal or agency bank account. Make the thing clear before make a speculation about it. The main problem is agent didn't tell buyer regarding the term and condition before place booking , and regarding if using cc, developer normally will charge 2% for merchant services, that all, thank you