Hotel deposit credit card

How can I get a refund if I paid the deposit with a credit card at the hotel?

When you stay in a hotel, you pay by credit card.

At this time, brush your attention and you will know that it is pre-authorization.

You have to brush it again when you check out, and then it is the real consumption.

If the first brush is real consumption.

Then when you check out, you should refund your deposit in cash.

What is the detailed process of paying hotel deposit by credit card?

First inspection

Do it when you are at home.

Pre - authorization

The operation flow of this transaction is the same as that of the consumer transaction. The amount is the deposit amount you paid, and the pre-authorization amount is only frozen in your available amount, not in your account. When you leave the store, brush it again according to the actual amount to make a consumption transaction. At this time, the charge is directly charged, and the pre-authorized transaction is invalid.

Why do I have to pay a deposit when I swipe my China Bank credit card at the hotel?

When staying in a hotel, some hotels will take the deposit as part of the hotel fee, and some hotels will charge customers the full hotel fee without clearing the deposit. The specific collection method is subject to the merchant.

The above contents are for your reference. Please refer to the actual business regulations.

When you check into the hotel, you need to pre-authorize the deposit with a credit card (debit card), and you don't need to use cash.

Every summer vacation, many citizens will take their children out to travel. Then you may encounter such a situation when you are in a foreign country: you need to pay a deposit when you stay in a hotel or book a plane ticket, and sometimes the amount will be relatively large, so it is inconvenient to use cash. How can we solve this problem? In fact, the cardholder can choose to use the pre-authorization function of the credit card (debit card), so there is no need to use cash when paying the deposit. However, cardholders should pay attention to whether the pre-authorization is really cancelled when they finally go through the payment procedures.

"How did my credit line shrink?" Mr. Qiu, a citizen, reported that he used a credit card (debit card) 1 1,000 yuan for pre-authorization when he visited Huidong last week. This week, after checking the credit card, he found that the credit limit of the credit card (debit card) has not been restored. Bankers said that this is because Mr. Qiu did not cancel in time after using credit card (debit card) for pre-authorization settlement.

With the increasing popularity of credit cards (debit cards), people are often asked for pre-authorization when using credit cards (debit cards) to pay for hotels and car rentals. Many cardholders are inevitably uneasy when they see their deposits several times more than the actual value being removed from their credit cards (debit cards).

So, how much do you know about the pre-authorization of this credit card (debit card)? It is understood that the so-called pre-authorization is a prepayment method similar to the deposit. Generally speaking, when a consumer holds a credit card (debit card) to book a hotel, air ticket or car rental, the bank will first freeze some funds in the credit card (credit card) as a deposit for the consumer's consumption at the request of the merchant.

"Pre-authorization only accounts for places. If the transaction is confirmed without pre-authorization, the merchant cannot ask the bank for money, so there will be no handling fee and interest. " The staff of a credit card (debit card) center of a bank in our city explained that when consumers formally settle the pre-authorization, the pre-authorization will be cancelled, the frozen amount of pre-authorization will be automatically credited to the cardholder's account, and the funds will generally be returned to the account within 24 hours.

Being good at using credit card (debit card) for pre-authorization will bring convenience to our life. However, cardholders should pay attention to whether the pre-authorization is really cancelled when they finally go through the payment procedures.

"Generally speaking, after the consumption is completed, the merchant will ask the card issuer to officially run the liquidation according to the actual consumption amount of the cardholder. If the actual consumption amount is 500 yuan and the pre-authorization amount is 1000 yuan, the excess 500 yuan amount will be unfrozen and returned to the cardholder's card. When the customer checks out, he can directly ask the merchant to cancel the pre-authorization, and the credit line can generally be restored immediately. You can also call the credit card (debit card) center for enquiry. " The relevant staff of the Credit Card Department of Guangfa Bank explained that if the merchant fails to cancel the pre-authorization in time, the bank will "naturally unfreeze" the pre-authorization frozen amount about one month from the pre-authorization trading day, and the merchant can still deduct the money before that. Moreover, during this period, the frozen amount of pre-authorized funds cannot be used.

So, how can we avoid similar situations? In this regard, the staff reminded consumers that the pre-authorization should carefully check the receipt issued by the pos machine. If applying for pre-authorization, it will be clearly marked in the transaction type column, and then signed after confirmation; When the related transaction is cancelled or ended, the cardholder shall go through the pre-authorization cancellation procedures at the hotel or agency before the specified time, and ask for the cancellation number as the cancellation certificate.

Banking industry insiders said that sometimes the credit line frozen by pre-authorization is not the same as the amount displayed when actually swiping the card, and some banks will freeze the overdraft line of 15% on the basis of actual pre-authorization. Therefore, for cardholders who rely on credit card (debit card) consumption, they should pay special attention to the corresponding fund arrangement and preparation after running pre-authorization to avoid the dilemma of insufficient credit line when running other consumption.

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How to refund the hotel deposit paid by credit card?

Using credit card deposit is pre-authorization, but it only freezes the deposit. Generally, the deposit for staying in a hotel for one night is around 500 yuan. In other words, your card cannot be used if it is occupied by 500 yuan. When you check out, it will be a real credit card. The hotel will give you two bills, one is pre-authorization bill and the other is credit card bill. You just need to check your bill. I often pay the hotel deposit by credit card. Don't worry about this problem.

That's enough for the introduction of hotel deposit by credit card.