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If our trip is in 3 months and they are asking for a credit card number now, am I charged for the service now?

Credit card payment

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Since you are asking about a trip 3 months from now, you will be asking a sitter to hold a spot open for you during the peak holiday time. Demand is very high during those holidays, so I really wouldn't expect any special consideration unless you are a regular customer of that particular sitter.

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Yes, as soon as you click the Book It Now, your credit card will be charged. You may want to ask the sitter you selected (at or after the meet&greet) if they will hold a spot open for you and what is the latest future date they'd book it.

Rover charges your card, but holds all funds until a few days after the services are completed, and then pays the sitter/walker in case of any issues, so it really would not affect the sitter or walker.

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Yes, you are charged at the moment when you and the sitter both "accept" the booking.