If users book a hotel online, they need a credit card because the credit card has a security code and can do pre-authorization business. The credit card limit will freeze the funds required to book the hotel, which is equivalent to the user having paid for the reservation. For the hotel, there will be no economic losses caused by the room being vacant because the passenger did not check in in time.
Of course, if you pay directly to book a hotel, you don’t need to use a credit card.