I am with Jim, too many restaurants to choose from to be placed in a stressful situation. Sickness, plane delays, etc. are not your typical 'No Show'. Yes, it is disrespectful to multiple book restaurants awaiting a group decision where to go; I can not fathom such a though. Yes, it is wrong not to keep your reservation. I agree, that if the policy is well informed at booking time and you cancel outside the rules, tough on you! Why would the credit card company be expected to come to your rescue?