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When you browse over to a cruise win or cruise giveaways agency's Web site, or call up their 800 number, you may be talking with one of the top cruise-only wholesalers in the nation, a local franchisee of a large full-service travel organization, or a very knowledgeable cruise professional at a small travel agency. Or, it may be a novice working off of his or her kitchen table.

So, how can you tell the difference and find a decent, reputable travel agent or agency -- and steer clear of a bad reservation experience?

Unluckily, agents tell us that the traveling industry is not well-regulated, and just about any person can just print up business cards, hang out a shingle and start selling travel. The majority of states do not demand any form of registration, certification, licensing or client protection measures for travel companies, although this is beginning to change. Bottom line: It is very important to know who you are dealing with.

Your best bet is to converse to friends, co-workers, relatives and associates and ask them if they know of a good, trustworthy, local agent who concentrates in cruise sweepstakes. But here are a little more tips for eliminating cruise travel scams -- and spotting a less-than-legitimate agency and protecting your expense before it's too late.

Pay with a credit card. For your best protection against either a dishonest seller of travel or probable supplier bankruptcy, always pay out for your cruise fare -- both the primary deposit and the last payment -- with a big credit card such as Mastercard, Visa or Amex. Under the Fair Credit Billing Act, you are entitled to protection (via a chargeback of disputed fees to your account) if a merchant fails.

Important note: This safety may not come into play to those utilizing debit or check cards; it's significant to check policies with your issuing bank just before you charge.

Ensure your money is in the right hands. After you've made a payment, review your credit card or bank records and make sure that any applicable charges establish straight with the cruise line, not with the vacation agency. That way, you'll find out that the cruise line has definitely obtained your money. If you must pay by check or money order, it should be made payable to the cruise line -- not to the organization or to a particular person.

Get appropriate confirmation of your reservation. Insist on getting the real cruise line's confirmation numbers, not just a confirmation number from your agency. Not only will you then know that your info and money is in the proper hands, but you'll also be able to preserver shore excursions, restaurant bookings and spa appointments (where available) on the luxury cruise line's Web site.

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