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Harrine Freeman is the CEO of H.E. Freeman Enterprises, a credit repair and personal finance services company and author of 'How to Get Out of Debt: Get an 'A' Credit Rating for Free.' Visit www.hefreemanenterprises.com'>H.E. Freeman Enterprises


"....If you pay the bill with the same credit card used when you checked in or returned the .....
.....debt, debt reduction, credit card blocking, credit score, frugal living, money, budget....."

Credit card blocking occurs when a business places a hold on your credit card for a reservation such as a hotel or rental car. If the transaction is approved, that amount is held in reserve. When you use your credit card at registration, the clerk will contact your credit card company and provision your credit card company with an estimated total of your bill. Using credit card blocking stock that the company can be assured that your bill will be paid. In increase to the actual cost of the hotel room, the clerk may add on reasonable 'incidental' costs for items such as food or gasoline. However, if you pay using a out of ones element credit card or with cash the block may be held for up to 15 days consecutively you've checked out.

If you pay the bill with the same credit card used when you checked in or returned the car, the will replace the block usually in 1 or 2 days.

Here are seven methods you can employ to protect yourself against credit card blocking:

1. This happens behind the scenes your credit card company was not notified that you used another form of compensation and assumed they had to string together to hold that amount in reserve on your credit card.

2. Pay for a hotel or rental car with the same card you used at check-in.

3. Ask the retailer the amount that will be blocked, how they determined the amount blocked and the time age the block will be held. Pay with cash.

5. Use two credit cards, one to make a reservation and one to pay the final bill.

4. Get the clerk's name and ask for proof that the block was removed if possible. If you pay using another method, ask the clerk to call the credit company and have the block removed. Pay for hotel reservations in full antecedent to check-in so that a block is not placed on your credit card. Also contact your credit card company to ensure the block was removed.

6. Complain to your condition Congressman regarding credit card blocking.

Credit card blocking is not unauthorized as for an age as the amount blocked isn't above what the client is likely to pay at the end of the transaction. However, if a block is placed haven it will only be for a inconsiderable amount to wrap incidentals.

7. Most consumers are not aware that it happens at all, the blocked amounts may not come block up to their credit limits. If your balance is close the credit limit, it may be an inconvenience by tying up credit that you may need, or it can cause a denied transaction for an item that is purchased afterward the block is placed.

".....

To prevent credit card blocking, use the same credit card the reservation was made, pay down your credit card to allow room for extra items that you may need to purchase, in augmentation to the reservation costs, and ensure the block is removed from your credit card the amount is paid in full.

To prevent credit card blocking, use the same credit card the reservation was made, pay down your credit card to allow room for extra items that you may need to purchase, in augmentation to the reservation costs, and ensure the block is removed from your credit card the amount is paid in full....'

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