what is the credit card pre-sale right? The credit card pre-sale right refers to the behavior that the credit card holder makes consumption in hotels, hotels or rental companies, and the consumption and settlement are not completed at the same time, and the special unit asks the card issuer for authorization in advance through POS. Generally speaking, it is the business of freezing part of the funds in the bank card as a deposit and then settling the account according to the actual consumption amount.
Precautions for using credit card pre-sale right. Cardholders should pay attention to swiping the card twice before and after using credit card pre-authorization. Brush a pre-authorization when you check in and pay the deposit, and brush a pre-authorization when you check out.
is there any risk in pre-authorization of credit cards? The risk of pre-authorization transaction is the same as that of ordinary credit card consumption. It should be noted that the cardholder may be required to make a credit card guarantee at the hotel or air ticket agency because of the shortage of rooms or air tickets. If the customer needs to cancel the order, but fails to handle it before the time specified by the merchant, the merchant will deduct the one-day room fee or air ticket fee as agreed, and in this case, it cannot refuse to pay. Sometimes the credit limit frozen by pre-authorization is not equal to the amount displayed when actually swiping the card, and some banks will freeze 15% more overdraft limit on the basis of actual pre-authorization. Therefore, for cardholders who rely on credit card consumption, special attention should be paid to making corresponding financial arrangements and preparations after pre-authorization.
Reminder: There are many cases that credit cards are pre-authorized or stolen on the Internet, so it is particularly important to ensure the safety of credit card consumption during holiday travel. Remind users who may use pre-authorization during the small holiday to carefully check the bill printed by POS machine, especially the transaction type and amount, and then sign it after confirmation. In addition, the cardholder must open the credit card SMS notification function, so that you can know your consumption at any time to avoid theft.