To avoid excess funds hold on your Reward card, use a credit card when checking into the hotel instead. Hotels – Hotels often place a funds hold for the estimated amount of the stay, plus approximately 25%. It may take several business days for the hold to be released and for your funds to be available for spending once an authorization is attempted directly at the gasoline pump. Request the cashier charge only the exact amount you specify and to process the charge as a “credit” transaction. Avoid purchase decline and having excess funds on hold by paying the cashier in advance. Gas Stations – Gasoline purchase transactions made at the gas pump often pre-authorize a charge for up to $100 when the card is inserted. You may ask the retailer to either charge only the bill amount or reduce the bill amount by 20 percent and retry the transaction. Restaurants and other Service Merchants – Retailers who commonly accept tips may automatically run an authorization transaction of 20 percent more than the total bill to ensure the gift card has enough funds to cover a gratuity. The following suggestions will help easily redeem your VISA or Mastercard prepaid reward card.
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