Miss Xiao and her husband went to Japan for a self-help tour and swiped a credit card when checking in at the hotel. When checking out, Miss Xiao swiped another credit card. When receiving the statement, Miss Xiao found that the hotel fees were deducted from both credit cards.
Citizens who often travel on business are no strangers to the use of credit cards in hotels: swipe once when checking in, and swipe again when checking out. However, the first swipe is the "pre authorization" business of bank cards, and the second swipe is the real confirmation of consumption.
"Pre authorization" is not equal to confirmed consumption
The so-called pre authorization refers to the transaction in which the card issuer or its agent confirms the permitted frozen limit before the cardholder makes payment. In other words, it is a transaction that requires the bank to make a commitment to the merchant for future payment due to the undetermined consumption amount when the customer is consuming. The amount of pre authorization transaction will be frozen and cannot participate in other transactions until the settlement of corresponding transactions occurs.
The pre authorization of bank card can also be used to book tickets online at present. At present, many domestic airlines and ticket booking websites do not need to enter passwords for their credit card payment services. As long as they provide the website with card number, validity period, verification code and other information, they can successfully make pre authorized payments.
After credit card users book hotels and air tickets online, the bank will first "pre authorize" this part of funds, so the SMS prompt users receive is often "pre authorized ××× RMB", rather than the usual "consumption of ××× RMB".
Cancel pre authorization or take 1 month
Since another card was used to settle the bill when leaving the store, why did Miss Xiao deduct the fees from both credit cards? This is because her pre authorization and consumption confirmation are not using the same card, and the pre authorization card still "freezes" the funds in the card, while the cancellation of the pre authorization may take one month, and Miss Xiao's quota can be restored when it arrives.
The reporter called several bank credit card centers for consultation, and customer service personnel said that customers can ask the merchants to cancel the pre authorization directly when they check out, and the credit limit can generally be restored immediately, but if they fail to cancel in time at that time and then apply for cancellation, the consumer merchants need to send a fax to the card reader bank to apply for cancellation of the pre authorization, The bank of the card reader will then submit the application to UnionPay, which will negotiate with the banks of both parties to complete the cancellation. The whole process will take about 15 working days.
In addition, if the customer fails to make settlement within 30 days after the pre authorization occurs, the pre authorization will also be cancelled. However, this means that the quota cannot be restored within one month.
Therefore, in order to avoid the freezing of consumption quota, consumers had better ensure that the pre authorization and settlement bank cards are the same card.
It is recommended to use a separate card for traveling and staying in hotels
