Jay-
All this talk about extra fees jogged my mind about an experience 1-1/2 years ago in Chicago at a high-end hotel. Our company booked the rooms with 2 employees per room. I was scheduled for 5 nights and had 2 companions for 1 night each. My credit card was swiped for the full 5 days (I checked online) when I registered. A couple of days later, the phone light was lit and when I called the front desk, they said there was a problem with my credit card. There have been times when my bank would stop my card for unusual charges, so I phoned them and there was no problem. I checked the charges against my card and my balance and everything was fine. I went down to the desk and they wanted to swipe my card again. Since I knew that the charges for my room had been already billed against my card, I told them I'd come back down with my card later. Which I did when I checked out. They swiped again to confirm the charges.
What was that all about?
Hotels do what's called a "pre-authorization" of your credit card when you make a reservation. This can look EXACTLY like a "charge", even though it's not. It's basically a "hold" that guarantees your room. On a credit card this has virtually no impact on you; it merely reduces your available credit line. If the hotel doesn't "force" or convert that hold into a charge within 7 to 10 days, it just evaporates all by itself.
Most hotels then don't physically swipe your card until you check out, so they can lard all of their "extra" charges on at that time. We choose to do all of our charges at check IN, to (a) make your check-out a breeze, and (b) because we don't ever add anything to your bill during your stay, why not swipe the card only once?
Incidentally, this brings to mind one of the biggest scams in America -- debit card preauthorizations. An alarming number of people use their debit cards interchangeably with their credit cards, and they are NOT the same.
When you use a debit card to reserve a hotel room (or buy gas, for that matter) the preauthorization process (that is so painless with a credit card) can cause you great harm.
Why? Because if we preauthorize $150 on your debit card, that will instantly "freeze" $150 in your checking account. Even if it's a "dual-use" card (debit or credit) it will do this. As a result, you suddenly have $150 less in your checking account than you may believe you do, sometimes with very bad consequences.
IMHO this is one of the biggest "quiet" banking scams going. You don't have your money, WE don't your money -- your bank does, and they can use this "float" in any way they see fit. Multiply this by 300 million Americans, and you're talking billions of dollars that the banks are using every day, interest free.
What sucks most is that the banks absolutely do not want you to know any of this. They tout debit cards as the "smart card", and want everyone to think they are nothing but "safe credit-type cards", when, in fact, they are completely different. I've had guests end up bouncing checks all over town because they didn't understand the difference -- and then blaming ME for not explaining it to them!