Hotels typically place a "pre-authorization hold" on your credit or debit card at the moment of check-in, and the duration it stays on your account depends on your bank and the hotel's processing system. This hold usually covers the full room rate plus a set amount for "incidentals" (like room service or minibar use), often ranging from $50 to $200 per night. While the hotel usually "releases" the hold the moment you check out and settle the final bill, the funds don't immediately reappear in your available balance. For credit cards, the hold typically disappears within 3 to 7 business days. For debit cards, the process can be much slower, sometimes taking up to 10 to 14 business days for the bank to reflect the released funds. This is why seasoned travelers strongly recommend using a credit card for hotel check-ins; it prevents your actual "spending cash" from being locked up by a temporary authorization. If a charge or hold remains on your statement for more than two weeks after your stay, it is usually a clerical error at the bank level rather than a deliberate "charge" by the hotel itself.