The best is to book directly from the hotel's website in Japanese.
No need to key your credit card info and can cancel without fees.
And you will not end up missing or double bookings.
unfortunately, this generally mean a much much higher price then booking from the OTA. TS problem is only choosing pay later rate which ended up a 5% additional admin charge (not sure if he was billed in SGD or local currency as he does not seem to be responding to the question:
to make us see better can list the following ? :
1) Date of Booking + JPY amount + estimated SGD amount by Agoda
2) Date of Payment + SGD amount charged to CC
Actually Agoda pay now rate in SGD (for refundable bookings) are quite good. There is no 1% DCC. Also, when you cancel, u receive the money back in full. So basically, for the forgone interest income, you lock in the base rate. If the local currency weaken against SGD, you can rebook it without suffering from forex charges (provided no change in hotel rates). Agoda rate in SGD is quite close to the prevailing spot rate at any point of time.