Potkettleblack has a very good point. Something I forgot to mention. The fact that if they do go A over T, you have handed over quite a fair bit of money, and you will join a long list of creditors waiting for a refund that never comes. Even in the UK, I've read about this happening to people. Over in the USA - you have less of a chance. What I love about FTOs in Florida - they have legals powers over you when you are here in the UK (so I'm lead to believe) if you mess up, but, if they screw you over, and breach their contract, there is very little you can do about it.
Paying on a credit card is safer, but you obviously need enough credit to do so. Just pay on the credit card if poss, and then pay it off.
If the worst happens, getting the money back from CC is a lot easier than getting a refund on a wire transfer. But not paying up front is the best option!
