We all know that when booking a hotel, customers are often required to pay a deposit. However, if you have a credit card and the hotel you booked is a special merchant of the bank, you don't need to pay cash. You can prepay the room using pre-authorization. Someone may ask here, does the credit card pre-authorization occupy the limit? Regarding this issue, let’s introduce it below.

Does credit card pre-authorization occupy the limit? When using a credit card to pre-authorize consumption, the merchant will directly freeze the prepaid money in the credit card limit, and then the frozen funds can be deducted or restored until the consumption is completed or the pre-authorization is revoked. It can be seen that the pre-authorized transaction amount will occupy the credit card limit. If the consumption is successful, the credit card limit will be reduced. If the pre-authorization is revoked, the credit limit will be restored.

For example, suppose your credit card limit is 20,000 yuan. When you book a hotel abroad, you need to pay a deposit of 2,000 yuan. However, if you use a credit card pre-authorization to prepay the room, the hotel will charge it from your credit card. If you freeze the pre-authorization limit of 2,000 yuan, your credit card's available limit will be only 18,000 yuan. When you pay the room fee of 2,000 yuan when you check out and revoke the pre-authorization, your credit card limit will be restored to 20,000 yuan; or if you directly use the pre-authorization limit to settle the room payment, then your credit card limit will be It’s only 18,000 yuan. The above is the relevant introduction to "Does credit card pre-authorization occupy the limit?", I hope it will be helpful to everyone. All in all, using pre-authorized prepayment will freeze the credit card limit, which means that the credit limit will be occupied, but it will be restored when the pre-authorization is revoked. However, if the pre-authorized limit is used for direct settlement after consumption, the limit will not be restored.