When you check in they will authorize your card for $1 just to see if it is a valid card. I know this because I have looked at my online banking and seen the check card memo for $1 ten minutes after checking in. Anyway, they give you a preset limit to charge but do not place any holds on the card. The limits are $500 for value resorts and $1500 for deluxe resorts and I think (it's been awhile since we were at a moderate) $1000 for the moderates. You can go by guest services and get a print out of your charges whenever you'd like, and pay however and whenever you wish, whether it be cash, cc, or even a check. Otherwise, as soon as you reach that limit-they will charge your card, and then it is reset and you start over. We never hit our limit, and I keep track of room charges with my receipts and get a print out every few days, but not every day. Then if I don't want it charged to my card, I go down the night before we check out and settle the bill, otherwise, the moring of check out they will charge your card and then slide the bill under (or hang it on ) the door. You can split it between cards, cash and cards, however you want, as long as you do it the night before you check out, or before you hit that limit. If for some reason they try to charge your card and there is not enough funds on it, they will notify you and tell you to come to the desk to settle your bill with other funds. Hope this helps explain!