When you check into a hotel, they typically place a pre-authorization hold on your credit or debit card, even if you have already prepaid for the room. This hold covers the full cost of the stay (if not already paid) plus a "security deposit" for incidentals like room service, minibar use, or potential damages. These holds generally range from $20 to $200 above the room rate. While the funds are "blocked" and may disappear from your available balance, the hotel hasn't actually "taken" the money yet; it is a safeguard to ensure the card is valid and has sufficient funds. Upon checkout, the hotel calculates your final bill and releases the remaining hold. Depending on your bank, it can take anywhere from 3 to 10 business days for the hold to drop off your statement, which is why many travelers prefer using a credit card rather than a debit card for check-ins.