Pre-authorization is actually similar to consumption, except that you don't know how much you will spend in the end, but you expect a certain amount to pre-authorize and freeze your corresponding credit line. After the transaction amount is confirmed, the pre-authorization will be revoked and the transaction will be swiped again.

For example. When we stay in a hotel, we usually charge a deposit and so on. If we only use credit cards, this deposit will be refunded (possibly in whole or in part). If you spend directly, it is not convenient for the hotel to refund the money, so you use the pre-authorization method. Assuming that the room rate plus deposit is 500, the card is pre-authorized by 500 (the words pre-authorized are printed on the receipt instead of consumption). When you check out, according to your actual consumption, you should pay the room rate plus other items, assuming a total of 450 yuan or other amounts. First cancel the pre-authorization by swiping the card, and then swipe the card to spend 450 yuan.

In other words, if your credit limit is still 2000 yuan, the pre-authorization can only be 2000 yuan. Of course, you can call the bank and ask for an increase in the temporary limit. After the increase, the pre-authorization amount can also be increased.

Some banks can allow customers to spend more than the credit limit (such as Bank of China), but the handling fee for the excess is 5% higher. In this case, it is also possible for you to pre-authorize 3000 yuan, but the handling fee for the excess 1000 yuan is at least 50%. . . Also according to time. Not cost-effective.

I suggest you check with your issuing bank first to avoid giving a large sum of money for nothing.