Question 1: How to check pre-authorization? You can call customer service to ask, or you can check it through mobile banking or online banking after the consumption is credited. If pre-authorization is not completed after pre-authorization, the pre-authorization deduction amount will be automatically released after a period of time

Question 2: How to query the bank card pre-authorization record of credit card "pre-authorization"

Nowadays, many people like to travel, and credit cards have become one of the main payment methods for people. When traveling, some hotels will require customers to pay by swiping their credit cards for "pre-authorization" according to the number of days of stay according to regulations. deposit. However, some people do not fully understand its specific concept, so everyone must be aware of it

"Pre-authorization is mainly used for hotel reservations and check-in, and can be simply understood as the concept of 'deposit' . Pre-authorization only occupies the credit limit. The merchant cannot request payment from the bank without pre-authorization. ”

When you spend money at a hotel, hotel or car rental company, the merchant will not be able to withdraw funds from the bank. Consumption and settlement are not completed at the same time. Merchants will choose to use the pre-authorization transaction operation, request authorization from the card issuer, and charge the cardholder for the settlement amount at checkout (called a pre-authorization confirmation). After the merchant requests authorization, your credit card account will freeze the credit limit or account funds up to the authorized amount. The pre-authorization is valid for 30 days from the transaction date (for additional pre-authorized amounts, the additional transaction date shall prevail). If you pay for or cancel the authorized consumption in other ways during settlement, you should ask the merchant to revoke the pre-authorized transaction simultaneously. If the pre-authorization validity period exceeds or the pre-authorization revocation transaction is completed, the original pre-authorized credit limit or account fund freeze will be automatically released. When you fail to settle in person for some reason, the merchant will automatically settle the bill through the card issuer based on your consumption records or receipts within the validity period of the pre-authorization and within 115% of the pre-authorized amount. Withhold your transaction funds.

When the pre-authorized consumption payment is settled and recorded, the original pre-authorization will be automatically canceled.

For example, when citizens go out to stay, the hotel freezes accommodation and other expenses from the credit card through pre-authorization. After checking out and confirming the consumption amount, the hotel will complete the credit card pre-authorization and deduct the actual consumption amount from the card. , At this time, the hotel actually received this part of the payment. He also said, "The pre-authorization limit generally does not exceed the upper limit of the card's available limit. When a confirmed transaction is completed without pre-authorization, the merchant cannot request funds from the bank, so no handling fees and interest will be incurred." For example, China Construction Bank and Bank of China At the Credit Card Center, customer service staff said that customers can ask the merchant to directly cancel the pre-authorization when checking out, and the credit limit can usually be restored immediately. Customers can also call the Credit Card Center to inquire. If the pre-authorization is not canceled in time, the bank will automatically cancel the frozen limit after 30-45 days. It is worth noting that during this period, the frozen part of the pre-authorized funds cannot be used.

I have seen on travel websites such as Ctrip that in order to ensure occupancy, many hotels require guests to provide credit card guarantees when booking online. The staff member said that the risk level of pre-authorized transactions is the same as that of ordinary card consumption. It should be noted that at hotels or air ticket agencies, cardholders may be asked to provide credit card guarantees due to shortage of rooms or air tickets. "If the customer needs to cancel the order but does not process it before the time specified by the merchant, the merchant will deduct the corresponding room fee or air ticket as agreed. In this case, payment cannot be refused." In order to avoid unnecessary losses. , if the customer wants to cancel the reservation, he must go through the cancellation procedures with the hotel or agency before the specified time, and ask for the cancellation number as a cancellation voucher.

Question 3: How to check whether the pre-authorization is refunded? Dear, hello, if you wait 2 days after pre-authorization or cancellation, it will be a restoration of the credit, not a refund. Just look at your available quota

Question 4: How to check the pre-authorization record on the POS machine for the next day? Hello, in this case, it is recommended that you contact the bank POS machine center. If there is indeed no record, then it is recommended that you directly withdraw the fee. If there is a record, you can request the bank for offline pre-sale rights.

Question 5: How to check the pre-authorization percentage of a credit card? Hello, if you have a credit card from our bank, the normal operation for pre-authorization when checking into a hotel is to first swipe a deposit on the credit card, and then During the actual checkout, it will be directly deducted from the deposit to release the remaining credit limit. However, some hotels currently swipe the card twice during the actual operation, first for a deposit and then for checkout. The deposit will be subsequently canceled and will no longer be reported to the bank. You also don't need to pay a deposit when checking out (the deposit won't show up on your bill for you to pay back). The cancellation time for deposits varies. If you feel that occupying your credit limit may cause inconvenience to you in using your card limit, you can notify and remind the hotel to cancel it for you in time.

Pre-authorization transactions:

When checking into a hotel or renting a car, the merchant can swipe the card to withhold a certain amount as a deposit, and swipe the card again after the consumption is completed for actual settlement. This type of transaction is generally called Make pre-authorized transactions. The pre-authorized deduction amount occupies the credit card's available credit limit. After the pre-authorization is completed, the additional available credit limit can be restored immediately.

You can manually check your pre-authorization status through your credit card.

Question 6: Where can I check the cancellation after the CMB credit card pre-authorization is completed? Hello, since the Baidu platform cannot verify the account information, please call our customer service hotline. For free, call 8008205555 from a landline. Dial 4008205555 on your mobile phone to enter manual mode, and the customer service staff will check for you.

Question 7: How to check whether the pre-authorization has been cancelled. You can query the relevant query number and pre-authorization number through the issuing bank of the POS machine and cancel it manually. Or cancel by sending a cancellation slip to your bank. The hotel can use a 3-part POS slip and keep one copy as a voucher for cancellation or print out the transaction list during daily settlement and keep it.

Question 8: How to check yesterday’s pre-authorization on the POS machine. There is a transaction query function with the bank card number in the management interface. After selecting, click Query Transaction Details to query the previous consumption of the POS machine. When canceling pre-authorization and other transaction information, you can query the card number and pre-authorization number, but if you have made a settlement, you cannot find it.

Question 9: CCB credit card pre-authorization unfreeze query For pre-authorization transactions, the actual The above is to freeze part of the poster's limit, which is similar to a deposit

Generally, merchants will complete the pre-authorization during the final settlement (pay directly with the pre-authorized amount, and refund any excess. )/Revoked (provided that the poster uses other methods of payment, such as cash), not processed

Situation 1: The pre-authorization is completed, the merchant will settle with the bank, usually 1-2 days later, the poster can bill through the credit card Check the details of the transaction (inquiry method, through the China Construction Bank Credit Card website, Credit Card Service Hall "-Bill Points Inquiry--after entering the information according to the prompts, you can check the last six issues of issued and unissued bills)

Scenario 2: After the pre-authorization is revoked, the poster’s quota will be automatically restored within 1-2 days.

Scenario 3: If the merchant does not perform any operations on this pre-authorization, generally domestic The limit will be automatically released after 30 days for transactions, and the limit will be automatically released after 15 days for overseas transactions.

Among them, for situations two and three, the poster can check the changes in the card's available limit at that time (the poster can. Use the mobile phone number you reserved at his home and edit the text message: "313# The last four digits of the card number" to 95533, and they will reply you with the available limit of the credit card as of the time the text message is sent)

If the poster If you have any other questions, you can ask.

Question 10: Can the cardholder find out where the pre-authorization was paid? Hello, you can’t... To transfer the cardholder’s money, you must ask the cardholder. Swipe the card again...or directly pre-authorize and cancel the swipe...1. If the cardholder does not cancel the card within the pre-authorization time range...the pre-authorized amount will be directly transferred to the merchant's account...2. Merchant You can contact the acquiring bank and explain the situation to the bank. Let the bank transfer the funds directly to the merchant's account during the calculation.