[dmpyron]

I can't speak to Disney, but most hotels put a hold on either a debit card or a credit card equal to about 125% of the bill with room, tax and those stupid fees that some hotels add on. So a $100 a night room in Austin will run about $118 a night and the hold will be for about $150/night. This will affect the funds available for a debit card and the credit limit available for a credit card. This is a "dirty little secret" of the hotel industry. The thing the credit card companies don't tell you is that it can take as much as a week for this hold to be released!!!!! So that two night weekend could wind up holding up $64 of your money for a week. Car rentals will typically put a hold of about $500 on a debit card, plus the rental amount. At least cruise lines tell you the hold. Restaurants put a hold of the bill plus 22.5% (what???). Once again, how long before it's released is a question mark. None of these numbers are particularly public (I did some consulting for Visa a few years back on security and got all of these numbers). But they have to tell you if you ask. Most people just aren't informed enough to ask.