Can hotels ask guests for their credit card? Complete guide

Today, booking a hotel room typically requires providing a credit card, either during the booking or at check-in. This worldwide hotel industry practice often raises questions and concerns among travellers.

Is providing a credit card mandatory? What do hotels use it for? What alternatives exist if a guest doesn’t want to provide it?

This article answers these and other common questions, explaining the reasons behind this policy and guests’ rights.

Why do hotels request a credit card?

Hotels request a credit card during booking or registration for several practical and security reasons benefiting both the establishment and the guest. Here are the main reasons:

Booking guarantee

A key reason hotels request credit cards is to secure the reservation. If a guest doesn’t show up (“no-show“) or cancels outside the allowed timeframe, the hotel can charge a penalty. This protects against financial losses from blocked, unoccupied rooms.

Security deposit

At check-in, many hotels request a credit card for a pre-authorisation or temporary hold of a set amount. This security deposit covers potential extras like minibar consumption, phone calls, room damage, or additional services. If no charges arise at checkout, the hold releases automatically.

Streamline payments and in-stay charges

Credit cards let guests charge consumption and extras to their room, simplifying checkout. This speeds up the process and avoids multiple cash payments during the stay.

Is providing a credit card mandatory at all hotels?

Not all hotels require a credit card, but it’s standard practice in most establishments, especially international chains, business hotels, MICE tourism specialists, and urban properties. However, some boutique hotels, hostels, or rural lodgings offer alternatives like cash or debit cards, though they often require full upfront payment or a cash deposit as guarantee.

What if the guest doesn’t want to provide a credit card?

If a guest refuses to provide a credit card, here are our recommendations:

• Contact the hotel directly before booking to understand their policies.
• Ask if they accept debit cards, bank transfers, or cash deposits as guarantees.
• Consider alternative accommodations like hostels or tourist apartments, which tend to be more flexible.

When booking or registering, hotels may request these credit card details:

• Cardholder’s name
• Card number
• Expiry date
• Security code (CVV)

Ensure the website or hotel staff handle this data securely and confidentially, complying with data protection regulations (like Personal Data Protection Law).

Is it safe for guests to provide a credit card to a hotel?

Reputable hotels use secure systems for banking data. Still, always take precautions:

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Tips to protect your banking information:

• Book through official channels: Use the hotel’s official website or trusted booking platforms.
• Verify site security: Ensure HTTPS protocol and security certificates.
• Don’t share info via email: Avoid sending card details by email or unencrypted messages.
• Request pre-authorisation receipt: At check-in, ask for proof of any hold or charge.
• Check statements: After your stay, verify no unauthorised charges and contact the hotel if discrepancies arise.

What rights do you have as a guest?

As a customer, you have the right to:

• Be informed upfront about any charges, deposits, or holds on your card.
• Receive detailed receipts for all consumption and charges during your stay.
• Request immediate release of pre-authorisation at checkout if no pending charges.
• File claims with your bank or relevant authorities for unauthorised charges.
• Alternatives to credit cards at hotels.

If you prefer not to use a credit card or don’t have one, alternatives exist:

• Cash payment: Some hotels accept cash deposits as guarantees, refunded at checkout.
• Debit card: Less common, but some accept debit cards for pre-authorisations.
• Bank transfer: For advance bookings, some hotels allow full payment via transfer.
• Virtual or prepaid cards: Check if the hotel accepts these for better control and security.

How do credit card charges and bookings work at hotels?

Common guest questions arise about hotel credit card use. Hotels can’t charge without prior notice and must inform you of any charges for penalties, extras, or damages. Pre-authorisation releases typically take 3-10 business days, depending on your bank and hotel policy.

You can book a room for someone else using your card, but notify the hotel beforehand and sometimes sign authorisation to avoid check-in issues.

Should you worry about leaving your credit card at a hotel?

Providing a credit card for hotel booking or registration is a standard, generally safe practice. Still, research the property’s policies, protect your data, and know your guest rights. If you have questions or special needs, contact the hotel directly before arrival.