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travelchinaguide.com wants cash wire payment. is this safe and standard?

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We planned a trip with travelchinaguide.com and they seem professional and have been very responsive by email and by phone when we have a question. The tour they offer meets all our needs and at a decent price. SO I have been to my bank twice who have talked me out of wiring money to them. The thing is if I use my credit card they claim bank of china adds a hefty fee. Has anyone heard of this and is it safe to wire money to China? They offer the incentive of a discount if I get my payment in 90 days in advance, please help if you have any experience with these issues

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