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And in the case of excessive holds, she has requested the hotel not to authorize her card for more than the room and tax.

If it insists, she tries to negotiate a smaller amount.

One of the easiest ways of preventing a hold is to avoid using the card, says Harrine Freeman, a credit card expert and financial adviser. “Carry travelers’ checks or pay with cash.” However, some hotels accept only credit cards, so ask before you try this.

If you use a credit or debit card, make sure you keep close tabs on the authorizations.

Unlike most other travelers, who might have been content with the reversal, Searcy asked for an explanation.

She finally received one after reaching Tiffany Bush, the hotel’s general accountant.

She phoned Marriott, which asked her to leave a voice mail for a manager. Identifying this mystery is easy, but solving it isn’t.

There’s an explanation for these charges and a valid reason for having them.

I have had this card over 3 years and unbeknownst to me another application was submitted using a different address.

“Credit card holds are typically released within 24 hours of checking out,” says Marriott spokesman John Wolf, who notes that holds are an industry-wide practice, common among hotels and car rental companies.

Most hotels place a hold on your credit card, according to Dale Blosser, a lodging consultant.

For Searcy, the mystery was a 8 pending charge to her card after she checked out of the Marriott.

“I had not been told of this charge, nor did I have any documentation for it,” says Searcy, who is retired and lives in Austin.

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