Perhaps what they are getting at with disputing the charge, and I have no idea if this is true, is that the bank will not see it worth its time to engage in lengthy proceedings and may just write off or charge back the amount to the mercahnt. I mean what if you said you didn't know it was nonrefundable. Are they going to go through the trouble of making screen shots of the web site, and sending letters back and forth. Or would it be easier and cheaper for the bank and the hotel to settle/write it off. I have heard that many large companies prefer to settle things not admitting any guilt, rather than go through any sort of long and drawn out proceeding. However, again, I have not tried this, and have no idea of your success posibility.

Would agree that writing a polite letter to the manager asking for the change would be a good start, and you have absolutely nothing to lose and posibly something to gain.

I do know banks will make you fill out all sorts of forms, and posibly make you return notorized documents, etc. However, I really think they have some internal number where if it below amount X they are not going to dedicate resources for investigations and protracted proceedings. How much $$$ are we talking about?