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Hotel Pre-Auths & CL Questions

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Contributor

Hotel Pre-Auths & CL Questions


I have a trip coming up at the end of July in the Caribbean. The resort we are staying at charges room rate, tax, fees, etc. + $250/NT incidentals when you check in as an pre-authorization. The total authorization will be around $2800+/- total. Final bill should only be about $1600 - $2000.

Here is my dilemma. I got the Arrival + about a month ago with the 70K bonus miles after $5K in spend. My plan was to use this card for this stay to finish out my SUB spend, but my limit is only $2500.

Questions:
- Are authorizations treated the same as actual purchases in relation to CL?
- Is it possible to request a “temp” CLI and explain my situation?
- Is 30 days too early to request a CLI? (I know.....I should have reconed after approval)

I ran about $2.4K through the card the first month and PIF before my 1st statement cut.
Edit:  I am only an AU on the Barclay AA card in my signature.
Any advice is appreciated!

Rebuilding Since 2016
6/5/2019 - Fico 8 Scores - EQ 672 TU 683 EX 674
6/15/2019 - FICO 8 Scores - EQ 682 TU 698 EX 690
Message 1 of 9
8 REPLIES 8
Moderator

Re: Hotel Pre-Auths & CL Questions


@DB2019 wrote:
I have a trip coming up at the end of July in the Caribbean. The resort we are staying at charges room rate, tax, fees, etc. + $250/NT incidentals when you check in as an pre-authorization. The total authorization will be around $2800+/- total. Final bill should only be about $1600 - $2000.

Here is my dilemma. I got the Arrival + about a month ago with the 70K bonus miles after $5K in spend. My plan was to use this card for this stay to finish out my SUB spend, but my limit is only $2500.

Questions:
- Are authorizations treated the same as actual purchases in relation to CL?
- Is it possible to request a “temp” CLI and explain my situation?
- Is 30 days too early to request a CLI? (I know.....I should have reconed after approval)

I ran about $2.4K through the card the first month and PIF before my 1st statement cut.

Any advice is appreciated!

You can have them reallocate a portion of the CL from your Aviator card in the interim.   Optionally, if your Arrival card is less than 30 days old (not beyond) you can contact them to see about a SL reconsideration, but the reallocation route would be more feasible.

 

ETA - scratch the reallocation piece, I read too fast and noticed you're an AU on the Aviator, not the primary.

Message 2 of 9
Contributor

Re: Hotel Pre-Auths & CL Questions


@FinStar wrote:

@DB2019 wrote:
I have a trip coming up at the end of July in the Caribbean. The resort we are staying at charges room rate, tax, fees, etc. + $250/NT incidentals when you check in as an pre-authorization. The total authorization will be around $2800+/- total. Final bill should only be about $1600 - $2000.

Here is my dilemma. I got the Arrival + about a month ago with the 70K bonus miles after $5K in spend. My plan was to use this card for this stay to finish out my SUB spend, but my limit is only $2500.

Questions:
- Are authorizations treated the same as actual purchases in relation to CL?
- Is it possible to request a “temp” CLI and explain my situation?
- Is 30 days too early to request a CLI? (I know.....I should have reconed after approval)

I ran about $2.4K through the card the first month and PIF before my 1st statement cut.

Any advice is appreciated!

You can have them reallocate a portion of the CL from your Aviator card in the interim.   Optionally, if your Arrival card is less than 30 days old (not beyond) you can contact them to see about a SL reconsideration, but the reallocation route would be more feasible.

 

ETA - scratch the reallocation piece, I read too fast and noticed you're an AU on the Aviator, not the primary.


Unfortunately I am just over 30 days, by about 3 days.  Yes, I should have stated that I am only an AU on the AA card.  Thank you for the feedback.

Rebuilding Since 2016
6/5/2019 - Fico 8 Scores - EQ 672 TU 683 EX 674
6/15/2019 - FICO 8 Scores - EQ 682 TU 698 EX 690
Message 3 of 9
Senior Contributor

Re: Hotel Pre-Auths & CL Questions

I checked into a Best Western today for a prepaid stay. I handed my CSR over, thinking I was only going to be charged a pre-auth for incidentals. Turns out they billed me a second time for the full stay!

Fortunately I had the Chase app on my phone and could show the old charge. A supervisor was able to reverse the second charge.

Definitely the sort of issue that would have been harder to resolve before smartphones!
Most spend: CSR, CFU, BBP
Rewards/AAoA ballast: CF, Discover, Costco, ED, Arrival, Double Cash
Perks: Schwab Platinum, IHG49, Hyatt75, Brilliant, Delta Platinum, Aviator Red
Bonus chasing / retention games: Savor, BCP
Message 4 of 9
Contributor

Re: Hotel Pre-Auths & CL Questions

Any suggestions on this? Just mainly wondering if either a temp increase is possible or if a CLI after 1 statement is possible or even worth trying for. I can always use my AMEX, but want to hit my SUB with this.
Rebuilding Since 2016
6/5/2019 - Fico 8 Scores - EQ 672 TU 683 EX 674
6/15/2019 - FICO 8 Scores - EQ 682 TU 698 EX 690
Message 5 of 9
Community Leader
Senior Contributor

Re: Hotel Pre-Auths & CL Questions


@DB2019 wrote:
Any suggestions on this? Just mainly wondering if either a temp increase is possible or if a CLI after 1 statement is possible or even worth trying for. I can always use my AMEX, but want to hit my SUB with this.

If it were me, I would just use my AmX for authorization when checking in; and when I checked out, use my Arrival for final bill. 

GOALS: Garden til DEC 2020 and 800 Club



Scores
JUN 2019: EX 788, TU 794, EQ 779
APR 2019: EX 787, TU 789, EQ 781
JAN 2019: EX 794, TU 783, EQ 801
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnate $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $15.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 6 of 9
Contributor

Re: Hotel Pre-Auths & CL Questions


@CreditInspired wrote:

@DB2019 wrote:
Any suggestions on this? Just mainly wondering if either a temp increase is possible or if a CLI after 1 statement is possible or even worth trying for. I can always use my AMEX, but want to hit my SUB with this.

If it were me, I would just use my AmX for authorization when checking in; and when I checked out, use my Arrival for final bill. 


Don't know why I didn't think of that.  Been a long week.  Thank you!

Rebuilding Since 2016
6/5/2019 - Fico 8 Scores - EQ 672 TU 683 EX 674
6/15/2019 - FICO 8 Scores - EQ 682 TU 698 EX 690
Message 7 of 9
Community Leader
Senior Contributor

Re: Hotel Pre-Auths & CL Questions


@DB2019 wrote:

@CreditInspired wrote:

@DB2019 wrote:
Any suggestions on this? Just mainly wondering if either a temp increase is possible or if a CLI after 1 statement is possible or even worth trying for. I can always use my AMEX, but want to hit my SUB with this.

If it were me, I would just use my AmX for authorization when checking in; and when I checked out, use my Arrival for final bill. 


Don't know why I didn't think of that.  Been a long week.  Thank you!


Smiley LOL You're welcome. TGIF!

GOALS: Garden til DEC 2020 and 800 Club



Scores
JUN 2019: EX 788, TU 794, EQ 779
APR 2019: EX 787, TU 789, EQ 781
JAN 2019: EX 794, TU 783, EQ 801
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnate $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $15.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 8 of 9
Community Leader
Senior Contributor

Re: Hotel Pre-Auths & CL Questions

Well. authorizations aren't considered purchases. It's like a gas station, they usually authorize $50-$100, and then submit the actual purchase amount, which makes the authorization fall off. But if the resort tries to authorize $2800 on a card with $2500 CL it will be declined.

 

Talk to the resort and ask if you can pre-pay for your room only on the Arrival +, and then give them a different card at check-in for incidentals. But there is a risk in pre-paying for a room, someone gets sick and you can't go, flight gets canceled and you have to re-book for the next day, etc. Maybe they'll let you pay for the room at check-in on the Arrival and then use another card for incidentals.


Fico 08: 720/721/719 TU/EX/EQ
Message 9 of 9