The timing of hotel charges depends on the "Rate Type" you selected during booking and the hotel's individual policy. If you booked a "Non-Refundable" or "Prepaid" rate, the hotel will typically charge your credit card the full amount of the stay immediately upon booking or a few days before arrival. For "Standard" or "Flexible" rates, you are usually not charged for the room until you actually check out. However, almost all hotels will perform a pre-authorization on your card at check-in. This is not a charge, but a "hold" on your funds to cover the full cost of the room plus a deposit for "incidentals" (like room service or mini-bar use), which can range from $50 to $200 per night. This hold can temporarily reduce your available credit limit or bank balance. The actual "hard charge" occurs at the end of your stay once the final folio is settled. In 2026, many "smart" hotels also allow you to settle your bill via an app mid-stay, but the traditional checkout morning is when most transactions are finalized.