What credit card is best for staying in a hotel?

Question 1: What kind of card is more cost-effective for those who often stay in hotels? In fact, no membership card is very cost-effective. Some of them charge a fee, but if their hotel holds activities, you can apply for one. Generally, cards are valid for one year and will become invalid if not used.

Question 2: How to use a credit card to stay in a hotel cheaply How to use a credit card to stay in a hotel cheaply Skyhorse

As the saying goes, "the poor family is rich," you can be frugal in your daily life at home, and you must be more frugal when you go out. Bring more "money" and don't treat yourself badly. Especially when you take your children out to play after having children, you should not neglect the quality of the trip because of money, which will affect your mood. Moreover, incidents like the "Yilitel Hotel" occur one after another, which also makes us quite worried about the security issues of express hotels and small private hotels. Therefore, whether it is for ourselves or our families, we need to spend more energy to provide them with For a more comfortable and safer travel experience, today’s article may be able to help you.

1. Cards with hotel privileges

1. China Merchants Bank Classic Platinum Card

Enjoy 4 VIP rooms at "300 Selected Hotels" Night rights, select more than 120 boutique design hotels to enjoy your vacation time.

2. China Merchants Bank Diamond Credit Card

In addition to the above selected hotels, the China Merchants Bank Diamond Credit Card can also be redeemed at 3 major parent-child theme park hotels (Hong Kong Disneyland Hotel, Guangzhou Chimelong Hotel, Zhuhai Chimelong Circus Hotel), Club Med resorts (Club Med 6 resorts in the Asia Pacific region located in Guilin, Dongao Island, Sanya, Bali, Phuket and Bintan Island) and the famous luxury resort Banyan Tree (Hangzhou Banyan Tree Xixi, Banyan Tree Lijiang, Banyan Tree Chongqing Beibei, Banyan Tree Shangri-La Rengan, Banyan Tree Yangshuo, Banyan Tree Tianjin Haihe and Angsana Xi'an Lintong Hot Spring Hotel).

In addition, cardholders should also note that Banyan Tree Lijiang, Banyan Tree Shangri-La Rengan, Banyan Tree Xixi Hangzhou, Commune at the foot of the Great Wall, Hong Kong Disneyland Hotel, Chimelong Hotel Guangzhou , Club Med resorts, etc., 2 room-night benefits will be deducted when redeeming 1 room-night accommodation.

3. China Merchants Bank Express Platinum Card

Enjoy 4 room-night privileges at VIP rates at "300 Selected Hotels", and get Hilton Gold Card membership for free. "Club Carlson Gold Membership" allows you to enjoy VIP privileges at more than 1,000 hotels around the world. In addition, because the FHR plan is supported by American Express, this card easily enjoys the best hotel benefit package in the country. What is essential is the FHR plan - you can enjoy room upgrades and free gifts when staying in more than 600 top hotels and resorts around the world. Breakfast, 100 USD meal coupons upon check-in, and free first class privileges for three nights stay. FHR hotels are basically Luxury & Boutique level, so you can trust the basic quality, and you won’t get into trouble if you choose.

4. Shanghai Pudong Development Express Platinum Credit Card

50,000 points can be redeemed for accommodation rights twice a year. The hotel covers more than 70 star hotels in 40 popular tourist resort cities at home and abroad and in Southeast Asia. and boutique hotels. After calculation, after using 200,000 points to deduct the annual fee, it is most appropriate for the remaining points to be used to redeem hotel accommodation rights. In addition, when staying at AccorHotels, stay 1 and get 1 free, stay 2 and get 2 free, and stay N and get N free. In addition, this benefit requires "consecutive" stays.

2. Hotel co-branded card

1. CITIC IHG Priority Club Gold Card

After opening the card, you can get IHG Gold Card membership and enjoy weekends 30% off room price, free breakfast for two persons and one child's breakfast, free extra bed, late check-out until 4 pm, etc. The annual fee is waived in the first year of opening the card, and the annual fee is waived in the following year by swiping the card 5 times. If you hold i Platinum or above, you can apply for final exemption.

2. Pudong Development IHG Rewards Club Co-branded Card

The points of the IHG co-branded card are calculated into the tiered points, so in theory, it is possible to use this card alone The card allows you to upgrade your IHG to Platinum and Joy membership. With Priority Club points, you can redeem free nights at any of InterContinental Hotels Group's more than 4,600 hotels around the world. For example, you only need 10,000 points to redeem free nights at Holiday Inn Express hotels in China. In addition, this card can not only accumulate points through consumption, but also accumulate points through Pudong Development Red Packets.

In addition, the MasterCard WORLD card can upgrade your SPG overnight. VISA Platinum Card and UnionPay Platinum Card also often have hotel promotions. Pay attention before traveling, which will bring unexpected gains during the trip.

I hope the above introduction will help you on your future journey.

Question 3: What kind of credit card is suitable for staying in hotels to buy things and withdraw cash? Bank of Communications and Hua Xia Bank have high limits and are easy to pass.

Question 4: What kind of credit card is suitable for hotels with many accommodations? Banks all have hotel co-branded credit cards. It depends on which hotel you often stay at, and then find the corresponding card type.

Question 5: What is a credit card hotel pre-authorization? Those who frequently travel for business may have experienced bank card pre-authorization: when staying at a hotel, swipe the credit card to the front desk, then sign, check in, and swipe again when checking out to complete the payment. The so-called pre-authorization is a transaction in which the card issuer or its agency confirms the authorized frozen limit before the cardholder makes payment. In other words, pre-authorization means that when customers make purchases, those who often travel for business may have experienced bank card pre-authorization: when staying at a hotel, first swipe the credit card to the front desk, then sign, check in, and swipe again when checking out. , the payment is completed. The so-called pre-authorization is a transaction in which the card issuer or its agency confirms the authorized frozen limit before the cardholder makes payment. In other words, pre-authorization refers to a transaction that requires the card issuing department to make a commitment to the merchant for future payment because the consumption amount is undetermined when the customer consumes. The amount of the pre-authorized transaction will be frozen, and no other transactions will be allowed until the pre-authorized settlement of the corresponding transaction occurs. When the customer settles the pre-authorization, the pre-authorization will be cancelled. If the customer does not make settlement within 30 days after the pre-authorization occurs, the pre-authorization will also be cancelled. Under normal circumstances, pre-authorization can only be completed by credit card, but some banks such as China Merchants Bank's debit cards can also be used for pre-authorization. For example, hotels and hotels often require a certain amount of cash as a deposit for accommodation. If pre-authorized, the cardholder swipes the card at the front desk and confirms the signature, and part of the funds in the card will be frozen. This part of the funds is approximately estimated. About 115% of consumption. When the cardholder leaves, if the credit card is used to settle purchases with the merchant, the merchant will cancel the pre-authorization and release the freeze. If the cardholder ends up settling in cash, remember to ask the merchant to cancel the pre-authorization at the POS terminal. If not canceled, this part of the freeze will be automatically lifted after 30 days. In addition to hotel reservations, bank card pre-authorization can now also be used to book air tickets online. In fact, pre-authorization means freezing part of the funds, which is equivalent to paying part of the deposit. Since it is mainly used for deposit consumption, the current pre-authorization business is mainly focused on hotel and air ticket bookings.

Question 6: What should you pay attention to when using a credit card to stay in a hotel? 1. When you check in with a credit card, the hotel will ask you to show your credit card and swipe a blank bill. This blank signature The bill represents your ability to pay, so you don't need upfront fees or mortgage documents. It's important not to sign the blank bill after you swipe it, and to remember to get your credit card back.

2. If you call the hotel to make a reservation by yourself and indicate that you want to pay with a credit card, the hotel staff will ask you for your credit card number. The meaning of this action is to ensure that you will make the reservation on the day of your reservation. If you stay at the hotel, the hotel will reserve the room for you.

Therefore, if you have reserved a room but fail to arrive at the hotel on time due to some special circumstances and do not notify the hotel to cancel the reservation, the hotel will help you reserve the room for one day through the guaranteed room reservation procedure. So even though you didn't check in, the hotel has prepared a room for you, so you still have to pay for a day's stay at the hotel.

Therefore, if something similar happens in the future where you need to cancel your reservation, please remember to notify the hotel and ask the hotel to give you a cancellation number and copy this number. If the hotel still charges you, you can check with the bank using your card number, hotel name, and cancellation number.

3. When checking out, the hotel will fill in the various charges for the stay on the purchase form. Only after you check that the fees are correct can you sign and confirm on the purchase form, and you are done. trade.

Question 7: Which credit card is more commonly used when staying in five-star hotels? Apply as appropriate according to your own situation.

1. For Bank of Communications credit cards, the threshold for card approval is very low. You only need to provide your ID card and proof of your employment (i.e. work permit, badge, or proof of income stamped with the official seal of the unit). It can even be the original business card and a copy of the pass of the public institution)

The overdraft limit is average, not very high. Of course, the information you provide is relatively comprehensive, and you own real estate, cars, etc. The amount of proof will be much higher

The interest-free period of Bank of Communications' consumption is relatively long at 56 days

The points are one yuan per point, which is easy to accumulate. There are no points for cash withdrawals

The handling fee for cash withdrawal is 1%, with a minimum of 10 yuan for each transaction. That is to say, if you withdraw 1,000 yuan in cash, you will be charged 10 yuan, and if you withdraw 100 yuan, you will also be charged 10 yuan.

Except for YONG-POWER cards, a single consumption of 1,500 yuan You can apply for installment repayment for the above

There is no free SMS reminder function for transactions. There is a transaction reminder SMS service of 3 yuan per month

2. Minsheng Bank credit card, the card approval requirements are higher than those of Bank of Communications. Moreover, your card will not be approved if you are not from this city. There is some discrimination against people with rural household registration

The overdraft limit is slightly higher than that of other banks

The longest interest-free period for consumption is 50 days

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There is no handling fee for withdrawing cash from local Minsheng Bank teller machines

You can set the statement date and repayment date of Minsheng Bank by yourself, and the point redemption is at an average to upper level

3. China Merchants Bank Credit Card has a low threshold for card approval. It is the number one credit card brand in China and its card issuance volume is second only to Industrial and Commercial Bank of China

The overdraft limit is relatively higher than that of Bank of Communications and higher than that of Minsheng Bank and China Minsheng Bank. Everbright Bank is low, of course, this mainly depends on your property and income

The longest interest-free period for consumption is 50 days

The cash withdrawal fee is 1%, with a minimum of 10 yuan per transaction , this is the same as the Bank of Communications credit card cash withdrawal fee

The online mall is quite good, and installment repayment is convenient. According to current credit card owners, they have always been very satisfied with the customer service of China Merchants Bank Credit Card, and the credit card has a good reputation

4. Everbright Bank Credit Card, the threshold for card approval is very low. My Everbright Credit Card didn’t ask me for proof of employment or property.

The overdraft limit is very high, basically higher than any other bank.

The longest interest-free period for consumption is 50 days

The cash withdrawal fee is 1%, with a minimum of 3 yuan per transaction, which is the lowest among all other banks

Automatic installment function. After the automatic installment function is activated, every time the card is swiped, regardless of the amount of the card, the payment will be automatically divided into 12 installments

Question 8: Can I stay in a hotel with a credit card?

As long as the credit limit is sufficient, part of the amount will be pre-authorized by swiping the card during registration, and the pre-authorized amount will be unfrozen at checkout and the actual amount will be deducted.

Question 9: Which bank credit card offers discounts on hotel stays? Business travel card