Helpful? not much.
How are you to make the payment for the vacation even if you’ve got cash in the bank? A check is slow - you have to mail it. I wouldn’t want the vacation place to have access to my banking info to allow them to draft the payment directly. A debit card doesn’t (in the US anyway, the OP is in Canada so rules are likely different) offer the same protections as a credit card. The OP might just want whatever reward points his card offers.
Wanting to use a credit card for initial payment might just have not-a-damn-thing to do with whether you have the cash on hand to pay for the vacation.
Oh - and I hear ya on the BS of being told that you need to go to the issuing branch. Many years ago, when I lived in Charlotte NC, I opened an account with NCNB (later Nationsbank, now engulfed by Bank of America). About a year later, I moved to Chapel Hill. Filed an address change, statements sent to new address, etc. Then they started screwing up overdraft payments (I had a balance on the overdraft line of credits, and I always made payments on time). Long story short, someone at a branch there looked at the account, saw that it was opened in another city, and said “Oooooh, you need to close that account and open one out of a local branch, that’s why you’re having these problems”. WTF? this was a statewide bank!
Needliess to say, I only took the first half of her advice.