Because you don't pay US for your vacation, there is no risk of losing your vacation through us.
When making your reservations, you provide us with your credit card information for booking. In turn, we provide that information to the travel supplier(s) you have chosen (cruise lines, resorts, airlines, etc.). They, and they alone, charge your card.
This way, you are assured that every payment you make towards your travel is applied directly to your reservation(s).