Question 1: What does credit card pre-authorization mean? Credit card pre-authorization is equivalent to paying a deposit for consumption, but it is more convenient than paying a deposit. The cardholder does not have to actually take out the money. Compared with cash and debit cards, the advantages are very obvious.

Take a hotel as an example. The cardholder swipes the card at the hotel front desk for pre-authorization when checking in, and only freezes a certain overdraft limit on the cardholder's card. The payment will be deducted when the cardholder leaves the hotel. Not all POS can do credit card pre-authorization transactions. UnionPay only allows a few industries such as hotels and car rentals to activate this function.

Question 2: What does the hotel’s pre-authorized payment mean? The 1,000 yuan transferred at that time was a pre-authorization, and the 1,000 yuan limit on your credit card will be frozen at this time. Then when you leave the hotel and check out, it will be debited again, which is a pre-authorized settlement, and the freeze will be automatically lifted.

For example, when leaving, I marked 500 yuan. Then your credit card will only be deducted 500 yuan, and the other 500 yuan will be unfrozen and you can continue to use it.

This is a very normal situation, no need to be nervous~

Question 3: What does the pre-authorized amount mean? The pre-authorized credit card issuer or its agent allows the merchant to charge before The amount of frozen transaction confirmation. Credit card pre-authorization will be taken. When the customer pre-authorizes the settlement, the pre-authorization will be cancelled. After pre-authorization within 30 days, if the customer does not solve the problem, the pre-authorization will be cancelled.

To put it simply: before the cardholder pre-authorizes a credit card transaction, the consumer first freezes part of the funds, and after the cardholder's signature is completed, the company can deduct part of the fund in this form. For example, if you go to a hotel, first tell the hotel how many days you want to stay, and the hotel will freeze the charges from your credit card for these days. When you leave the hotel to check out, you sign to confirm, and the hotel will be able to receive this part of the summary. The reason for this is to ensure that the internal cardholder's credit card has enough current for the consumer to use the money.

Question 4: What does pre-authorization mean? 100-point pre-authorization means that the cardholder consumes money in hotels, hotels or rental companies. The consumption and settlement are not completed at the same time. The special unit requires it from the card issuer in advance through POS. authorized behavior.

Question 5: What is credit card hotel pre-authorization? Frequent business travelers may have experienced bank card pre-authorization: when staying at a hotel, you first swipe your credit card at the front desk, then sign, check in, and swipe again when you check out to complete the payment. The so-called pre-authorization is a transaction in which the card issuer or its agency confirms the authorized frozen limit before the cardholder makes payment. In other words, pre-authorization means that when customers make purchases, those who often travel for business may have experienced bank card pre-authorization: when staying at a hotel, first swipe the credit card to the front desk, then sign, check in, and swipe again when checking out. , the payment is completed. The so-called pre-authorization is a transaction in which the card issuer or its agency confirms the authorized frozen limit before the cardholder makes payment. In other words, pre-authorization refers to a transaction that requires the card issuing department to make a commitment to the merchant for future payment because the consumption amount is not determined when the customer consumes. The amount of the pre-authorized transaction will be frozen, and you will not be able to participate in other transactions until the pre-authorized settlement of the corresponding transaction occurs. When the customer settles the pre-authorization, the pre-authorization will be cancelled. If the customer does not make settlement within 30 days after the pre-authorization occurs, the pre-authorization will also be cancelled. Under normal circumstances, pre-authorization can only be completed by credit card, but some banks such as China Merchants Bank's debit cards can also be used for pre-authorization. For example, hotels and hotels often require a certain amount of cash as a deposit for accommodation. If pre-authorized, the cardholder swipes the card at the front desk and confirms the signature, and part of the funds in the card will be frozen. This part of the funds is approximately estimated. About 115% of consumption. When the cardholder leaves, if the credit card is used to settle purchases with the merchant, the merchant will cancel the pre-authorization and release the freeze. If the cardholder ends up settling in cash, remember to ask the merchant to cancel the pre-authorization at the POS terminal. If not canceled, this part of the freeze will be automatically lifted after 30 days.

In addition to hotel reservations, bank card pre-authorization can now also be used to book air tickets online. In fact, pre-authorization means freezing part of the funds, which is equivalent to paying part of the deposit. Since it is mainly used for deposit consumption, the current pre-authorization business is mainly focused on hotel and air ticket bookings.

Question 6: What is credit card hotel pre-authorization? Those who frequently travel for business may have experienced bank card pre-authorization: when staying at a hotel, swipe the credit card to the front desk, then sign, check in, and swipe again when checking out to complete the payment. The so-called pre-authorization is a transaction in which the card issuer or its agency confirms the authorized frozen limit before the cardholder makes payment. In other words, pre-authorization means that when customers make purchases, those who often travel for business may have experienced bank card pre-authorization: when staying at a hotel, first swipe the credit card to the front desk, then sign, check in, and swipe again when checking out. , the payment is completed. The so-called pre-authorization is a transaction in which the card issuer or its agency confirms the authorized frozen limit before the cardholder makes payment. In other words, pre-authorization refers to a transaction that requires the card issuing department to make a commitment to the merchant for future payment because the consumption amount is undetermined when the customer consumes. The amount of the pre-authorized transaction will be frozen, and you will not be able to participate in other transactions until the pre-authorized settlement of the corresponding transaction occurs. When the customer settles the pre-authorization, the pre-authorization will be cancelled. If the customer does not make settlement within 30 days after the pre-authorization occurs, the pre-authorization will also be cancelled. Under normal circumstances, pre-authorization can only be completed by credit card, but some banks such as China Merchants Bank's debit cards can also be used for pre-authorization. For example, hotels and hotels often require a certain amount of cash as a deposit for accommodation. If pre-authorized, the cardholder swipes the card at the front desk and confirms the signature, and part of the funds in the card will be frozen. This part of the funds is approximately estimated. About 115% of consumption. When the cardholder leaves, if the credit card is used to settle purchases with the merchant, the merchant will cancel the pre-authorization and release the freeze. If the cardholder ends up settling in cash, remember to ask the merchant to cancel the pre-authorization at the POS terminal. If not canceled, this part of the freeze will be automatically lifted after 30 days. In addition to hotel reservations, bank card pre-authorization can now also be used to book air tickets online. In fact, pre-authorization means freezing part of the funds, which is equivalent to paying part of the deposit. Since it is mainly used for deposit consumption, the current pre-authorization business is mainly focused on hotel and air ticket bookings.

Question 7: What does pre-authorization of a bank card mean? Credit card pre-authorization is equivalent to paying a deposit for consumption, but it is more convenient than paying a deposit because the cardholder does not have to actually take out the money. Compared with cash and debit cards, the advantages are very obvious.

Take a hotel as an example. The cardholder swipes the card at the hotel front desk for pre-authorization when checking in, and only freezes a certain overdraft limit on the cardholder's card. The actual consumption deduction and settlement will be made when the cardholder leaves the hotel. Not all POS can do credit card pre-authorization transactions. UnionPay only allows a few industries such as hotels and car rentals to activate this function.

Question 8: Regarding hotel check-in pre-authorization 20 points Credit card pre-authorization refers to a transaction in which the card issuer or its agency confirms the permission to freeze the amount before the special merchant deducts the money. The pre-authorization will occupy the card's credit limit and will be canceled when the customer settles the pre-authorization. Simply put, credit card pre-authorization means that the merchant freezes a portion of the cardholder's funds before the cardholder makes a purchase. After the cardholder signs the payment, the merchant can officially deduct the funds.

In layman's terms, it is a form of prepayment. It can be understood that the deposit is mainly used as a guarantee when staying in a hotel.

Generally speaking, the credit card pre-authorization period is 30 days. If the customer does not make settlement within 30 days after the pre-authorization occurs, the pre-authorization will be cancelled. However, credit card pre-authorization freezes the credit card limit of the cardholder. If the cardholder does not cancel the credit card pre-authorization when leaving the store, the credit limit will continue to be frozen. For some cardholders whose credit card limits are not very high, Said that this will affect their future card consumption.

Therefore, when cardholders finish their consumption, usually after checking out of the hotel, it is best not to forget to cancel the credit card pre-authorization. After the credit card pre-authorization is revoked, the credit card limit will be restored.

Question 9: How to cancel the hotel pre-authorization? You can cancel it at the hotel or bank.

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The so-called "pre-authorization", in layman's terms, means that when the cardholder checks into the hotel, the hotel will authorize the cardholder based on the number of days of stay. The hotel's pre-payment deposit stipulates an estimated consumption amount and requires you to swipe your credit card for "pre-authorization", which means paying the deposit. The hotel cashier took away 1,200 yuan. In fact, the money was still on your card and was not paid to the hotel. It was just that the amount was frozen. The POS form was blank and was not a proof of bank card deduction.

When checking out, the hotel will destroy the original blank pre-authorization POS form and proceed with the "pre-authorization completion" procedure for checkout based on your actual consumption. (Some banks call it "pre-authorization confirmation").

The "pre-authorization confirmation" form is a new form issued by the hotel. The hotel will ask you to swipe your card again and sign again. The actual consumption amount will be deducted from the pre-authorization amount, and the remaining amount will be frozen funds. will be released. The amount swiped by the card at this time is the actual fee paid to the hotel.

Question 10: What does bank card pre-authorization mean? Pre-authorization means that your funds are temporarily frozen when you swipe your card before the specific amount of consumption has been determined. . For example, if you plan to stay in a hotel for a week, the cost is 100 yuan per day. When items are damaged, a deposit of 100 yuan is required. When you arrive at the hotel, you can swipe your card on the hotel POS machine for pre-authorization. The pre-authorization is 800 yuan, which means that the 800 yuan in your card is temporarily frozen. . If you only stay two days. Nothing was damaged either. Then pre-authorization is completed for 200. . The remaining frozen money will be automatically transferred back to your original card.