FlyerTalk Forums - View Single Post - Any way to get Marriott to not place a huge hold on debit or credit card?
Old Nov 6, 2009 | 2:36 pm
  #20  
docr775
10 Countries Visited
20 Countries Visited
30 Countries Visited
20 Years on Site
 
Join Date: Oct 2003
Location: TX
Posts: 2,734
Originally Posted by jayer
There is a thread on this topic almost as often and as predictably as a "What Is Wrong With the Courtyard Brand" threads. (We're overdue on that one by now, but nothing is new so please don't start one). Trying to remember some of the suggestions the board has offered in the past that might help somebody rather than joining in and reciting the times I was sinned against and had the same problem. In no particular order, and apologizing to the posters above who made the same effort:

1. If you have any real credit history of paying your bills and need unlimited funds for a short period of time, you need a regular Amex. You can afford $95 a year if you run that much through it. (If you travel internationally, you really need an Amex).
2. Ask for a credit line increase. (If you pay it they will throw one at you soon enough anyway). Shop for a better hold policy if you don't like theirs.
3. You really need more than one card anyway. Offer one as deposit and switch at checkout. Leave one locked up in the safe in case of card loss just to get you home.
4. Monitor the hold activity and ask for mistakes to be reversed before you leave.
5. You are telling me your employer does not have any way to remotely turn in expenses and get paid before you get home from a very long trip?
6. Nobody said you can't pre-pay your card to clear out the credit line or create an overpaid situation when you expect to be tight.
7. I know you want the points, but take the company card at least as a backup.
8. My personal favorite I had to learn, update your running expenses account every single night so it can be finalized and turned in on a drive-by basis.

There are two philosophies of travel on this board, which I will relate to as "Dad" and "Mom". Dad drove very long distances in a bad two-lane world every week as part of his living and learned to look down the road and adjust his behavior to mitigate problems. He came to completely enjoy himself doing it. A long road, a full tank of gas, an open window, and he was at peace in the present. Mom though she had paid her road taxes and was always surprised by the bumps. Dad was way more fun.

- American Express will limit your charges - pending or holds, based upon their algorithms; I travel internationally 4-5 times a year and my debit card works just fine, it does not charge me exchange fees and it is processed as a credit card, I get points for every dollar charged and I do not pay any monthly or yearly fees as long as my combined deposits stay above a certain ammount; $95 a year for the basic American Express buys me a very nice dinner at Morton's;

- pre-paying a credit card will not resolve most of these issues; holds will stay on your account until cancelled or the actual charge posts; let's say you have a credit line of $3000 that you prepay before your trip. When you check into the Marriott and the front desk puts a hold of $2500 on your card, that means that only future charges of up to $500 will be authorized. It can take up to 72 hours for the individual charges to post against your credit line from the time the card is swiped and only then they will pe posted against the pre-paid amount. That still leaves you with that $2500 hold on your account.

-most employers will wait until you return in order to accept a travel claim; all my past employers did;

- you can monitor the hold activity, but it has been my experience that most credit card companies or banks will not do anything about it until a charge actually posts to the account, after which the charges can be disputed;

- I try to avoid hotel and car rental places that place exorbitant holds on credit or debit cards.
docr775 is offline