广州一市民日前结账离开酒店后，发现被酒店扣了款 Guangzhou a citizen has check out the hotel,The discovery of the button

　　持卡人最好在结算时明确要求酒店现场撤销预授权 At the end of the best hotel is clear about the request the pre authorization cancellation

　　春节出游，住酒店是必须的。不少人都会有这样的经历，入住时，若选择用信用卡担保交易，就要先刷卡冻结一部分资金，到退房时再刷一下进行实际支付，那么之前刷卡的动作就相当于提供了一个预授权，付款时再取消这笔预授权。预授权是银联特别提供给商户的一个功能，既可免去持卡人携带大量现金的麻烦，也防止酒店被吃“霸王餐”，但若不注意，持卡人也可能因预授权没有撤销而被商家强制扣款，白领李小姐最近就遇上了这样的纠纷。

The Spring Festival travel,Staying in a hotel is a must.Many people will have such experience,you,If you choose to use credit card guarantee transaction,Will first credit freeze a part of the capital,To check out again brush for actual payment,Before then the card the action is equivalent to provide a pre authorization,Payment to cancel the pre authorization.Pre authorization is unionpay special offer their a function,Can remove the cardholder to carry large amounts of cash trouble,Also prevent hotel being eaten"Overlord meal",But if you do not pay attention to,Cardholder can also for pre authorization no cancellation by the businessman forced deduction,White-collar miss li recently met with such disputes.

　　结账后仍被扣20元 After the check is still button twenty yuan

　　李小姐告诉记者，前段时间公司到惠州一家酒店开年会，通过旅行社支付所有款项，入住时，酒店表示为了防止发生一些额外费用，要求她用信用卡刷了1000元的预授权做押金。由于平时入住酒店基本上都会有这些要求，李小姐没有在意，就给了一个预授权。第二天结账时，因没有费用产生，李小姐就提醒酒店取消预授权，酒店当时也同意了，但没有当着她的面进行取消操作。李小姐随后离开了酒店，谁知在返程的车上，酒店突然打电话表示，在房间发现一个枕头套被弄脏，要求支付20元清洁费，需要在她卡里扣除。

Miss li told reporters,Some time ago to the company to open a hotel in huizhou annual meeting,Through the travel agency all payments,you,The hotel said that in order to prevent the occurrence of some additional charges,Ask her to use credit card brush 1000 yuan deposit pre authorization to do.Due to the hotel at ordinary times basically will have these requirements,Miss li didn't care,Gave a pre authorization.The next day when check-out,No charge for produce,Miss li is remind hotel cancel the pre authorization,The hotel was agreed,But not in front of her face to cancel the operation.Miss li and leave the hotel,But in return the car,The hotel phone suddenly said,In the room and found a pillowcase smear,Require payment of twenty yuan upto,Need to deduct her card.

　　李小姐当时并没有同意。她认为，如果发生问题，为何不在结账时提出，客人离店后才来扣款，已无法核实酒店所说的是否属实。她拒绝支付这笔费用，并要求酒店与旅行社交涉。谁知没多久，李小姐即收到手机短信显示，她的信用卡被扣掉20元。

Miss li was not agree.She thinks,If there is a problem,Why not put forward to,Guest check out before to deduct money,Already can't verify hotel said is true.She refused to pay for it,And ask the hotel and travel agency bargaining.But it didn't take long,Miss li is received SMS display,Her credit card was subtract twenty yuan.

　　“刷卡消费不是都要签名确认吗？我都没有签字，为何酒店能擅自从我信用卡里扣钱？如果说是因为有预授权，就这么随便从我卡里扣，那持卡人的资金岂不是很不安全，商家想扣就扣？”李小姐很不解。

"Credit card consumption not all signature confirmation?I did not sign,Why the hotel can do STH without authorization from my credit card deduct money?If because a pre authorization,So just from my card buckle,That the cardholder's capital is not very safe,Businesses want to button button?"Miss li is very puzzled.

　　取消预授权后仍可能被扣款 Cancel the pre authorization still may be deduct money

　　羊城晚报记者就此咨询了银行。招行信用卡中心人士表示，预授权相当于是商户经持卡人许可后冻结其卡内部分资金做一个付款保障，预授权一旦产生，卡内相应资金也就会被冻结，至结账时扣除实际消费金额后，剩余资金就会“解冻”，相应额度也就被释放。通常来说，预授权撤销后，商户就不能随便从卡中扣款，但不排除在产生争议消费时，即使预授权已撤销，商户也依然可能从持卡人账户中扣钱。像李小姐这种情况，可能酒店本身还没有为其撤销预授权，在预授权依然有效的情况下，商户依然可以从冻结额度中扣款。

The yangcheng evening news reporter ask the bank.China merchants bank credit card center say,Pre authorization by the card holder is so merchants permission freeze its card in part funding for a payment guarantee,Once produced pre authorization,Kanye corresponding funds will be frozen,To check the actual consumption amount deducted after,Surplus fund will be"thaw",The corresponding limit will be released.Generally speaking,Pre authorization after cancellation,Merchants can't literally from card deduction,But not out of the disputes arising from consumption,Even if the pre authorization has been revoked,Merchant is still possible from cardholder account deduct money.Miss li, like this,May the hotel itself is not for the pre authorization cancellation,In the pre authorization is still effective cases,Merchants can still frozen line from the deduction.

　　那么，为何李小姐并没有签字确认消费，酒店就能划走她的款项呢？银联工作人员解释说，预授权这项服务的产生，主要就是为了给酒店、宾馆这样的商户提供付款保障，避免出现有客人不结账就“走佬”的情况。通常来说，实际支付发生后，做了预授权取消，商户就不能随便从持卡人账户上扣款了。但在发生错误交易或者争议交易时，即使取消了预授权，商户仍然可能从持卡人账上扣款，而无需通过持卡人签字。“当然，这个过程商户必须向收单机构提出确凿的证据，证实这笔交易的真实存在和实际发生金额，整个过程是非常严谨的，不会出现乱扣款的情况。”该人士认为，像李小姐这种情况，就属于争议交易范畴，如果确实对这笔扣款有疑问，李小姐可以联系自己的发卡银行与商户进行交涉解决。

so,Why miss li and no signature confirmation consumption,The hotel can delimit her money??Unionpay staff explained,The generation of pre authorization the service,The main thing is to give the hotel/Hotel such merchants to provide payment security,Avoid guests don't check it"Go guy"situation.Generally speaking,After the occurrence of the actual payment,Do the preliminary authorization to cancel,Merchants can't literally from the cardholder account for deduction.But in an error when trading transactions or disputes,Even if cancelled pre authorization,Merchants can still from the cardholder account deduction,Without through the cardholder signature."Of course,This process merchants to accept single institution must be conclusive evidence,Confirmed the deal of the real and actual amount,The whole process is very strict,Won't appear disorderly deduct money situation."The people think,Miss li, like this,It belongs to the category of trade disputes,If you have questions about the deduction,Miss li can contact their hairpin bank and merchants negotiate to solve.

　　预授权终止有时效 Termination of pre authorization is aging

　　预授权的终止有时效也是需要注意的问题。记者查阅过往报道也发现，此前宁波的杨先生同样遇到过已结账离开酒店、却被酒店多收325元的事情，原因就是酒店方称在杨先生离开后，发现他打碎了一个杯子，就按相应金额重新扣款。杨先生坚称自己并未打碎杯子，后经多方交涉，酒店退回了多扣除的325元。

Termination of pre authorization is aging is also need to pay attention to the problem.Reporters refer to past the report also found,Ningbo after Mr Yang also met already check out hotel/But the hotel charge 325 yuan of things,Reason is that the hotel party said Mr Yang left,Found that he broke a cup,According to the corresponding amount to deduct money.Mr. Yang insists he did not break the cup,After many negotiations,The hotel was returned to the deduction of 325 yuan.

　　对此，银行人士表示，持卡人在离店时使用现金或刷卡付款，酒店商户应发起预授权撤销交易，发卡机构会立即解冻预授权金额，再消费就需持卡人本人签字确认。若商户未发起预授权撤销交易，则发卡机构自预授权交易日起第31日才会对预授权冻结金额进行“自然解冻”，商户在这个解冻时效内仍可进行扣款操作。因此持卡人最好能在结算时明确要求酒店现场进行预授权撤销，这样既可以及时释放自己被“冻结”的信用额度，也可避免商户在银行确认交易前继续进行其他操作。

this,Bankers say,Cardholder from the shop use cash or credit card payment,Hotel merchant should launch pre authorization cancel transactions,Issuers would immediately thaw pre authorization amount,Then consumption should be cardholder signature confirmation.If the merchant did not launch pre authorization cancel transactions,The card issuers pre authorization from the trade date, only 31 to pre authorization amount of freezing"Natural thaw",Merchants in the thaw effectiveness for a given period of time still can be deduction operation.So at the end of the best can clear requirements hotel site for preliminary license revoked,This can be timely release himself"freezing"Credit limit,Also can avoid merchant in the bank before the confirmation to continue other operation.