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Debit And Credit Card Blocking

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Debit And Credit Card Blocking

What is Credit or Debit Card Blocking?

When you use a credit or debit card to check into a hotel or rent a car, the clerk usually contacts the company that issued your card to give an estimated total. If the transaction is approved, your available credit (credit card) or the balance in your bank account (debit card) is reduced by this amount. That's a "block." Some companies also call this placing a "hold" on those amounts.

Here's how it works: Suppose you use a credit or debit card when you check into a $100-a-night hotel for five nights. At least $500 would likely be blocked. In addition, hotels and rental car companies often add anticipated charges for "incidentals" like food, beverages, or gasoline to the blocked amount. These incidental amounts can vary widely among merchants.

If you pay your bill with the same card you used when you checked in, the final charge on your credit card, or final amount on your debit card, probably will replace the block in a day or two. However, if you pay your bill with a different card, or with cash or a check, the company that issued the card you used at check-in might hold the block for up to 15 days after you've checked out. That's because they weren't notified of the final payment and didn't know you paid another way.

Why Blocking Can Be a Problem

Blocking is used to make sure you don't exceed your credit line (credit card) or overdraw your bank account (debit card) before checking out of a hotel or returning a rental car, leaving the merchant unpaid. Blocking is sometimes also used by restaurants for anticipated size able bills (like large groups at dinner or a party), by companies cleaning your home, and other businesses to ensure credit or account money will be available to complete payment.

If you're nowhere near your credit limit or don't have a low balance in your bank account, blocking probably won't be a problem. But if you're reaching that point, be careful. Not only can it be embarrassing to have your card declined, it also can be inconvenient, especially if you have an emergency purchase and insufficient credit or money in your bank account. On debit cards, depending on the balance in your bank account, blocking could lead to charges for insufficient funds while the block remains in place.

How to Avoid Blocking

To avoid the aggravation that blocking can cause, follow these tips:

• When you check into a hotel or rent a car - or if a restaurant or other business asks for your card in advance of service - ask if the company is "blocking," how much will be blocked, how the amount is determined, and how long the block remains in place.

• Consider paying hotel, motel, rental car, or other "blocked" bills with the same credit or debit card you used at the beginning of the transaction. Ask the clerk when the prior block will be removed.

• If you pay with a different card, by cash, or by check, remind the clerk you're using a different form of payment and ask them to remove the prior block promptly.

• Ask your current debit card issuer if they permit blocks, for how long, and from what types of merchants. If they do, you may want to consider getting an overdraft line of credit from your bank. Ask about a plan that always automatically covers the overdraft and does not involve a separate bank decision on whether or not to pay it each time. Although you might incur some interest on this plan if you don't pay off the amount fairly quickly, you would not have an overdraft that is not paid. Ask your bank if they offer an overdraft line of credit, how it would work, and how much it costs.

In addition, if you are considering a credit or debit card, shop around. When you are comparing credit and debit card offers, ask issuers if they permit blocks, for how long, and from what types of merchants. You may want to consider an issuer that uses shorter blocks.
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BONUS : Developing Intuition

Developing intuition starts by realizing you have it already. If you've ever had a hunch about something, that was intuition. Intuition is just your mind using more than what you are consciously aware of. But can you trust your intuition? How do you improve it?

Developing Intuition In Three Steps

1. Recognize it and encourage it.

2. Study it to make it more trustworthy.

3. Give it good information to work with.

Gary Kasparov will admit that a computer can calculate chess positions many moves further ahead than he can. Yet he still beats the best computers out there because of his intuitive grasp of the game. His experience allows him to combine analysis with a "sense" of which move is best. Try to find areas in your own life where you intuitively operate.

Of course, intuition is also a warning device. Both my wife and I felt we shoudn't get on that bus in Ecuador. This is no psychic power. Crowded busses are prime locations for pickpockets. A drunk man was bumping into people repeatedly. We didn't consciously pay attention, but these things registered in our minds, warning us. We felt "something isn't right here." When we ignored our intuition, I was robbed.

When I bought a conversion van, I saw them all over. Maybe you've had a similar experience. Looking for and recognizing a thing trains your mind to find more of it. The same process will happen if you watch for your intuition - you'll start to see more of it.

Unfortunately, a strong hunch can be for irrelevant reasons too. If you were hit by a yellow taxi as a child, you might have "intuitive" hunches not to get into yellow taxis for the rest of your life. So even learning to recognize your intuition and encourage it may leave you wondering when to trust it.

Study Your Intuition

Start questioning your hunches. If we had asked why we felt bad about that bus, it may have occurred to us, "Oh yeah, crowded busses are a bad idea - we know that." Study your strong feeling about that taxi, and you might say, "Oh, it's just my fear of yellow taxis." Get in the habit of paying attentionto and studying your intuitive feelings.

Where does your intuition work best? If you're always right about your intuitive stock picks, give a little credence to them. On the other hand, if your hunches about people are usually wrong, don't follow them. Just pay attention more, and you'll be developing intuition about your intuition.

Give Your Intution Good Information

Your skill, knowledge and experience determine the potential effectiveness of your intuition. No weak chess player will never intuitively beat that computer, like Kasparov can. Learn enough about a subject, before expecting good hunches about it - or before trusting the hunches. Work in the area you want more intuition in. When enough information is in your mind, it will go to work for you with or without your conscious participation, so feed it well.

Recognize your intuition and you'll have hunches and ideas more often. Study it and you'll learn when to trust it. Give it good information and you'll be repaid with good hunches and ideas. This is the simple formula for developing intuition.
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