Excuse me why the hotel can only use credit cards to pay deposits, not debit cards

Paying deposits by credit card is a pre-authorized transaction. It means locking a certain amount of money (such as 1,000) from your credit card account, and your limit will be reduced by 1,000 yuan accordingly. When you settle, the pre-authorization is cancelled, the locked 1,000 blocks are unlocked, and your available credit is increased by 1,000 blocks. Then swipe the card to make transactions based on your actual consumption. If you do not settle the bill within a certain period of time after the pre-authorization, the bank will automatically transfer the pre-authorized 1,000 yuan to the hotel.

However, the debit card can only be used for real-time transactions. It is directly credited to the hotel account and cannot be refunded.

Why do you need to use a credit card to book a hotel online?

Because credit cards can use security codes to do pre-authorization business, and temporarily freeze the credit card pre-authorization limit, which is equivalent to the pre-sale payment. , so that the hotel can ensure that the rooms will not be vacant due to travelers not checking in.

Why do you need a credit card to stay in a hotel?

Credit cards are more convenient and can be pre-authorized. After you check out, they can tidy up the room and finally settle the bill.

Why can’t you pay directly with online banking but use a credit card to guarantee a hotel reservation?

Because if you pay with online banking, you will consume it directly, while paying with a credit card is pre-authorized, which takes up a certain amount of your credit limit. , but there is no actual consumption. You only make consumption when you actually arrive at the hotel.

Although many debit cards can now be pre-authorized, because some procedures for banks and hotels are more troublesome, hotels generally use credit card pre-authorization for guarantee online.

That’s it for the introduction of why hotels use credit cards.