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Hello All,
Dumb question here... I am about to check into a hotel this weekend with my credit card. My credit
card statement is about to close and report to the bureaus. I understand the hotel will place a authorization
hold on my credit card of a certain amount.
Will this authorization hold amount be included in the reported balance?
no
@Anonymous wrote:no
+1.
In your account, where it says "Current balance", that's what will be reported. Pending charges / pre-authorizations aren't included.
This is a common occurance with hotel bookings and rental cars - the company will pre-authorize the card for several hundred dollars (or maybe even several thousand), and it reduces your "available" credit on the card, but it will not affect your reported balance until the charge finally settles or disapppears. If you rent multiple cars or hotel rooms on a trip, it's not uncommon to end up with a very high pre-authorization / hold for a few days or even weeks following. But rest assured they won't affect your reported balance unless/until the final charges are settled.