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What will happen if I don’t check in after using a credit card to guarantee my booking? Will the check-in fee be charged directly to the credit card?

When making a reservation, a deposit is usually deducted, which is reflected as pre-authorization on the credit card. The pre-authorization will not be credited to the account for the time being and requires repayment, but it will occupy the cardholder's card limit. If you don't stay at the hotel after the expiration date, or the payment is settled by other methods, you can ask the hotel to cancel the pre-authorization so that the card limit will no longer be occupied.