If you want to avoid the 2.5 % look into a home trust visa. The card has no yearly fee.
I feel your pain op. There used to be someone at guest services that would screw up my cabana purchase every time. It's substantial so it makes a difference. She would charge me twice for the cabana, charge me for the wrong weeks, you name it. She was incompetent. I can only hope she's gone. I haven't talked to her lately. I had to chase the credits down because they take forever to come through. The debits come through right away.