When you check in, most hotels do not "charge" your card for the full stay immediately; instead, they place a "pre-authorization hold" on your funds. This hold typically covers the total cost of the room and tax, plus a predetermined amount for incidentals (usually $50–$100 per night) for things like room service, the minibar, or potential damages. While this isn't a permanent charge, it does reduce your available credit limit or "freeze" the cash in your checking account if you use a debit card. This hold usually disappears within 3 to 7 business days after you check out, provided you haven't incurred extra charges. Some "prepaid" or "non-refundable" bookings may have been charged at the time of booking, but the hotel will still require a card at check-in for the incidental hold. It is always wise to use a credit card rather than a debit card for check-in to ensure your actual cash flow isn't restricted by these temporary security holds during your trip.