You will not experience all these with Expedia or Agoda, because they are non China company.But Ctrip always has ticketing and credit card issue, why? because China is less reliable.
Klook's HQ in HK, but their operation, customer service almost all in Shenzhen.
You can use reliable payment gateway provider like what Agoda and expedia use.
All these China companies such as ctrip selling very low hotel and ticketing rate to buyer, their profit margin is much lower than Agoda and Expedia. With lower profit margin, of cuz China companies will use cheap payment gateway provider.
For example:
Agoda used to charge hotel 20-30% commission, but ctrip only charge hotel 5%.