Hotels often wait until check-in or check-out to charge your card primarily for flexibility and incidental management. By not processing the full payment upfront, hotels can easily accommodate changes to your reservation, such as adding an extra night or applying a discount, without having to issue complex refunds. More importantly, it allows them to place a pre-authorization hold on your card at check-in. This hold covers the room rate, taxes, and a set amount for "incidentals" like room service, minibar use, or damages. If they charged you in full at booking, they would still need to run your card again for a security deposit upon arrival. Furthermore, in 2026, many hotels use this "pay at property" model as a competitive advantage against third-party booking sites (like Expedia), which often require immediate payment. It provides travelers with better cash flow and the security of knowing they aren't out of pocket if they need to cancel within the free cancellation window. However, note that "non-refundable" or "advance purchase" rates are the exception, as these are almost always charged in full at the moment the "book" button is pressed.