FlyerTalk Forums - View Single Post - When is a credit card a "hold" and when is it an actual charge?
Old Oct 30, 2025 | 10:14 am
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aww3583
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Originally Posted by The Road Goes On Forever
There is nothing you're going to be able to do except wait. You can't dispute an authorization hold the way you can dispute a charge and the hotel aside from one thing can't help you either. What they told you about "that's all they can see" is not the full truth. A hotel can see when the card was authorized and for what amount(s) and when the authorization(s) were released by the hotel. My guess is that you either spoke with someone who doesn't know where to look under the folio tab on your reservation or who truly didn't care and just said whatever to blow you off.

After the hotel releases the hold(s), it's 100% on your bank/credit union/card company to process that on their end. Each company has their own policies and timelines and for a credit card that can take 3-5 business days. Debit cards are sometimes twice as long. The only thing that the hotel can do, if they will even do it, is to call the 800# on you card and speak to someone at your card company and then fax/email/send them something on hotel letterhead indicating that they want all pending holds dropped ASAP and hope the card company will do it in kind. I've seen that work and I've also seen Wells Fargo tell a cardholder that they don't care and that holds will be released/processed on their timeline irregardless.
How does the computer system, PEP or whatever, allow multiple identical holds to be placed on the same card?

Update: Two of the holds posted fully to my CC this morning. Wonderful. So in total, for a 1 night stay... my credit card was billed three times, one of which was refunded. Now I have to chase down a second.
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