Legal analysis: 1. When checking into a hotel or renting a car, the pre-authorization transaction will be swiped by a credit card, which means that the pre-authorization is settled by the POS machine when the car cardholder leaves the store, then the card issuer will immediately unfreeze the pre-authorization amount. When the amount is restored, it means that the pre-authorization will be returned in about 1-2 days.

2. Automatic cancellation: if a certain amount of pre-authorization is swiped after entering the store, if the merchant fails to pre-authorize and cancel the transaction when leaving the store (some will swipe the card again), then the pre-authorization amount can only wait for automatic cancellation (generally, the time period for automatically canceling the pre-authorization is 3-45 days, which will occupy the original credit card limit).

legal basis: under any of the following circumstances, the People's Republic of China * * * and the Criminal Law of the People's Republic of China engage in credit card++activities, and the amount is large and pure, and a fine of not less than five years but not more than+++yuan but not more than 2, yuan shall be imposed; If the amount is serious, he shall be sentenced to five years' imprisonment of not less than RMB 5, yuan for other especially serious circumstances or+++,and shall also be fined not less than RMB 5, yuan but not more than RMB 5, yuan or confiscated < P > (1) using a forged credit card;

(2) using an invalid credit card;

(3) fraudulent use of another person's credit card;

(4) malicious overdraft.