Question 1: How to check 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. According to regulations, some hotels will require customers to pay a deposit by swiping their credit card for "pre-authorization" according to the number of days of stay. 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 are unable to settle in person for some reason, the merchant will automatically deduct the actual amount due from the card issuer based on your consumption records or receipts within the pre-authorization validity period and within the pre-authorization amount of 115. Receive payment for your transaction.

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 2: 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 and withheld 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 3: 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 4: How to check the pre-authorization of Bank of Communications credit card unfreezing? Once you find that there is no pre-authorized transaction in your pending account, it is complete

Or wait until 30 days later It will be automatically canceled

Question 5: China Merchants Bank credit card pre-authorization Hello, based on your questions, the following common situations are provided for you to learn more.

Ways to cancel pre-authorization: Method 1: The customer first requests pre-authorization, and then changes to cash settlement. At this time, the cashier can cancel the pre-authorization by swiping the customer's card; Method 2: The customer first requests pre-authorization , and then settled with cash, but the customer has left the hotel (that is, the pre-authorization cannot be canceled by swiping the card), at this time the hotel should notify the bank to cancel the pre-authorization; Method 3: The customer first requests pre-authorization, and then leaves the hotel without settling the bill. At this time The hotel should provide written proof to the bank for cancellation of pre-authorization and repayment (i.e. deduction of customer deposits).

If you leave the hotel but do not cancel the pre-authorization: 1. If the hotel does not settle the bill with the bank 30 days after handling the pre-authorization, our bank system will automatically cancel the pre-authorization transaction and the funds will be automatically returned On the customer account; 2. If you require the funds to be returned immediately, you must complete the "cancel pre-authorization" transaction, and the funds will be returned to your account at the same time. You can write down the specific situation, including the card number, transaction date, amount, merchant name, merchant's contact number, contact person's address, etc. and submit it to the backend for processing. After communicating with the relevant personnel of the local branch, the backend will notify the customer to fax the pre-authorization release application to the corresponding branch for processing.

How to cancel credit card pre-authorization: Customers can directly call the credit card center at 800-820-5555 (remember not to let the merchant send a fax directly).

In addition, if you use a credit card to request an immediate return of funds, in theory, all pre-authorizations obtained on the same POS machine can be cancelled. However, due to the current domestic acquiring banks’ different settings for POS machines, and POS machines There are many types of cancellations, and there are cases where cancellation can be successful, but not many. Therefore, in this case, pre-authorization is mostly canceled manually.

The process is as follows: The merchant faxes the request for pre-authorization cancellation to its acquiring bank. After confirmation by the acquiring bank, the acquiring bank then sends the fax to the authorization office of China Merchants Bank Credit Card Center, and relevant personnel will process it. If the authorization is canceled on the same day, the quota will be restored immediately. If the cancellation is not authorized on the same day, it will need to be processed by the accounting office, so it will take working days to restore the quota.

If you have other questions, it is recommended that you add "QQ" or "WeChat" for online consultation. Method 1: Search for "4008205555" among QQ business friends and add "China Merchants Bank Credit Card Center" as a friend; Method 2: Search for the number "cmb4008205555" on WeChat and follow China Merchants Bank Credit Card Center.

For detailed instructions, please click: cc.cmbchina/...d=zxkf, thank you for your attention and support!

Question 6: CCB credit card pre-authorization unfreezing query For pre-authorized transactions, part of the owner's limit is actually frozen, which is similar to a deposit

Generally, merchants make final settlements When , the pre-authorization will be completed (pay directly with the pre-authorized amount, and any excess will be refunded)/revoked (provided that the host pays by other methods, such as cash), and will not be processed

Situation 1: After pre-authorization is completed, the merchant will settle with the bank. Generally, after 1-2 days, the host can check the transaction status through the details of the credit card bill (inquiry method, through the CCB Credit Card website, Credit Card Service Hall "-Bill Points Inquiry-" After entering the information according to the prompts, you can check the issued and unpaid bills in the past six periods)

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, the quota will be automatically released in 30 days for domestic transactions and 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, edit the text message: "313# last four digits of the card number" to 95533, and he will reply to you The credit card's available limit as of the time the text message is sent)

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

Question 7: How to confirm whether the credit card has been pre-authorized for 25,000. If there is no consumption confirmation before pre-authorization, no money will be deducted from you

Question 8: Can the pre-authorization amount be checked online on the credit card? Generally, it will not be displayed immediately. Banks have their own accounting dates. , the earliest it can be found is one day after the pre-authorization, if it is later, it will take 3 or 4 days, and if it is pre-authorized abroad, it will take longer.

Question 9: How long does it take for the credit card pre-authorization to be returned to the credit card pre-authorization? After the payment is made, the merchant's salesperson can cancel the pre-authorization. If the pre-authorization is not released, the bank will automatically cancel the pre-authorization within 45 days.

Question 10: How to check the credit card for refund of bank card pre-authorization." "Pre-authorization" Nowadays, many people like to travel, and credit cards have become one of people's main payment methods. When traveling, some hotels will require customers to pay a deposit by swiping their credit card for "pre-authorization" based on the number of days of stay according to regulations. However, some people do not fully understand his specific concepts, so everyone must be aware...