Can I dispute a hotel charge?

The credit card issuer will contact the merchant (hotel) to investigate the disputed charge. The issuer will likely rule in your favor if the hotel cannot prove the charge was valid. Remain engaged throughout the investigation and provide any additional documentation needed.



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You can also dispute the charge with your credit card company, who may be able to reverse the charge if they deem it to be unjustified. It's important to note that some hotels may offer more flexible cancellation policies, such as allowing cancellations up to 24 hours before the check-in date without penalty.

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Many hotel stays are refundable as long as you cancel within at least 48 hours. But some aren't. If you leave without making any arrangements, the hotel probably will charge you for the full stay. Experts say hotels consider refund requests on a case-by-case basis.

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If a hotel refuses to refund customer payments, the Federal Trade Commission (FTC) may step in via an enforcement action.

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The bottom line
Businesses cannot charge your credit card without authorization. Hotels will typically get your authorization to place a hold on your card for your stay at the time you check in.

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You cannot simply refuse to pay resort fees, but — just as some hotel employees are occasionally empowered to compensate you — the employee might have authority to remove your resort fee. Just understand that this is the exception, not the norm. And while it doesn't hurt to ask, it helps to ask nicely.

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According to the Federal Trade Commission, there are no specific laws that dictate how long a hotel can hold a credit card hold. However, most hotels will release the hold within a few days of your departure, assuming there are no outstanding charges or damages to the room.

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The answer to this question is yes. And some hotels accept payment in both ways, i.e., debit and cards. Whether or not a hotel will take a debit card as charge varies from place to place. It's always best to call ahead and ask before you make your reservation.

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Experts say most places will offer you a refund if you have a reasonable excuse. If you are stuck with a nonrefundable room, try changing the date of your reservation. Some hotels will let you move the date of your stay if you ask. You can also resell your room and get your money back that way.

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Many hotel stays are refundable as long as you cancel within at least 48 hours. But some aren't. If you leave without making any arrangements, the hotel probably will charge you for the full stay. Experts say hotels consider refund requests on a case-by-case basis.

MORE DETAILS