I just read a thread where the comments heavily suggested OP use a credit card when they travel again so that it would be easier to dispute a fraudulent charge. What makes a dispute through your bank less successful?
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As someone who works in hospitality. Along with all the other great information here. When checking into a hotel some usually put an incidental hold on the card you use.
For a credit card that puts a pending authorization on the account, and will stay pending until the credit card is charged X amount for the stay or until it is released at check out. For a debit card there is no pending hold, the amount authorized is fully taken out of the account like it is a payment. Even worse is it can take up to 10 Business days to get that money back in your account after it was released. A credit card it only takes 2 – 5 business days for that pending charge to be dropped.
So if you are traveling with only a debit card with the amount of your hotel stay and some extra spending cash, but didn’t realize the hotel also holds $50 a day in incidentals and you are staying 4 nights that extra $200 just came out of your spending money. You’re gonna have a bad time.
Please remember the front desk staff is not holding your money. There is nothing we can do to get your money back to you any quicker. Please call your bank and leave us alone!
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