I used my credit card for a purchase in Europe, and the exchange rate applied by my bank seems much worse than the current market rate. I feel like I was overcharged.

Look for any indication on the website of when the policy was last revised.

Ask the tour operator if the cancellation policy on their website is the most current version.

Review your booking confirmation email for any specific terms and conditions that might supersede the general website policy.

Check if the policy has different sections or footnotes that apply to your particular tour or booking method.

Take screenshots of the policy as it appears on the website and save any email correspondence with the tour operator.

Contact the tour operator directly and ask for a clear explanation of the cancellation policy, specifically highlighting the contradictory sections.

Begin considering backup travel plans or flexible booking options in case the visa is not approved in time.

If the delay seems unreasonable and not related to your application, consider escalating the issue through official complaint channels if available.

Understand that these checks are for security purposes and may require time. Continue to monitor your application status.

If possible, ask the embassy or consulate if your application is undergoing any specific extended checks.