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How do credit card payments work?

A credit card allows you to burn through cash on credit – it resembles having an advance for the sum you spend utilizing the card. You can spend up to a pre-set credit limit, which may be a couple hundred or a few large numbers of pounds.It relies upon how sure your card supplier is that you'll repay it.In the event that you cover off the tab in full every month, you won't pay interest on what you've acquired. On the off chance that you make money withdrawals, however, the premium is generally charged consistently from the day you take your money.This is one reason why you ought to abstain from taking money out utilizing a credit card. You'll be hit with energizes – to 4% or more with certain organizations. The financing cost for money withdrawals is additionally typically higher than for buys.In the event that you don't take care of any extraordinary equilibrium in full, at that point interest will be charged.It's normally antedated as well, so on the off chance that you purchased something toward the beginning of the month, you'll be charged an entire month's advantage.Is it a credit card for me?There are some significant focuses you need to remember prior to applying for and utilizing a credit card.You need to make at any rate the base payment every month, in any event, during a premium free period. Set up a Direct Debit for the full month to month balance, or for however much that you can stand to reimburse. This will mean you don't miss a payment, which could prompt undesirable charges and the deficiency of any early on the rate. Missing payments could likewise harm your credit rating.visit for credit card service-https://mnogo-kreditov.ru/You'll have a credit appraisal by the card supplier when you apply, which will generally incorporate checking your credit reference document. A decent credit rating will improve your odds of an effective credit application. It could likewise give you admittance to cards offering the most reduced loan fees as well as limited-time offers.You should be at any rate 18 to apply for a credit card. With certain cards, the base age is 21.Masters of credit cardsSimple to convey, simple to utilize. Credit cards are acknowledged at a greater number of spots than charge cards and pre-loaded cards.More secure than money. In the event that your card is lost or taken, simply call your bank and drop it. On the off chance that it's taken and utilized deceitfully, you're substantially more prone to get the cashback.Purchase currently, pay later. On the off chance that you don't have the money you need until your next payday, or for a significant buy, a credit card gives you some extra monetary wriggle room – however, you should possibly utilize it in case you're sure you can repay it.You're ensured. With credit cards, you're ensured for most buys over £100 and up to £30,000 – so on the off chance that you book an occasion and the supplier leaves the business, the card organization should take care of the expense regardless of whether you just paid an underlying store via card. This is under Section 75 of the Consumer Credit Act. You may likewise be ensured for more modest buys that are under £100 with the 'chargeback' plot. Peruse more about the insurance you get with credit cards.Gifts frequently accompany credit cards – things like air miles, reward focuses, and cashback. Discover more about Cashback credit cards.Cons of credit cardsHigh-interest payments. In the event that you don't free your equilibrium toward the end of every month, you'll ordinarily need to pay interest on your remarkable equilibrium. The financing cost on a credit card can be significantly higher than for an individual advance.Be careful about the obligation twisting. Miss only one payment and the interest will begin to add up. Except if you take care of what's owed every month, you can rapidly winding into obligation in the event that you keep spending on your card.Extra charges. Just as the interest, you could wind up taking care of extra expenses or punishments for surpassing your credit limit or missing a payment. There are additional expenses for utilizing a money machine, and a few cards charge a yearly or month to month expense on top.Stores and pre-authorizations can cut into your credit limit. A few spots like inns or vehicle rental firms may utilize your credit card to take a pre-authorization. This is so they can charge you in the event that you use things like the smaller than expected bar and don't pay for it. They'll stop some portion of your credit limit – state £500 - and keeping in mind that it's set up you won't have the option to go through the cash. Even after they eliminate the hold there may be a couple of days' stand-by until your credit limit has returned to ordinary.Costly to utilize abroad. This especially relies upon the card. Some are intended for voyagers, others are more costly with regards to expenses and different charges - relying on whether you utilize the card for buys or money withdrawals. Shop around to locate the best arrangement.

What is the worst behavior by hotel guests you’ve ever witnessed?

Hmm. Might be the woman who threw a hissy fit because she didn’t get housekeeping service, demanded I fire the housekeeper responsible, and obliquely threatened me with being fired myself for not bending to her every whim.Might be the regular with the large corporate account (20+ rooms all for this one company) who chewed me out for giving him a room by the elevator AND ice machine . . . at check out, three days later, after being perfectly pleasant the rest of his stay (he got demoted because his coworker saw and my coworker reported his behavior to their travel agent).Or the guy who called corporate to get me fired for not giving him waters whenever he wanted when I’d clearly explained to him hotel policy was two waters at check in per person, and I’d make an exception once, but he needed to find his own water if he needed more after that, or buy some from our market.Or that guest who reported the hotel to corporate for not having running water because I didn’t have any Aquafina in the cooler. I wish I was joking.Could be the regular who insisted on calling me and demanding I bring him bottles of water and extra towels and various other amenities at 4AM, right before getting in the shower, to the point where I had to institute a blanket policy of “If I am the only one here, you come to the desk and get your stuff” because he’d keep calling then not answering the door.Possibly the sports parents, the mothers who would drink wine coolers and gossip about the absent team parents until one AM, spreading deliberately malicious rumors (“Well, I heard . . .” “Of course SHE would . . .” “I can’t believe she won’t let her son . . .” “Did you hear what she’s doing with . . .” I literally heard them accuse an absent sports mom of child abuse/neglect because she had a part-time job, and then say she was probably a drug addict.); the fathers who would drink beer until five in the morning when I’d have to kick them back to their rooms, who hit on anything vaguely female shaped, who lied to my face when asked to control their children who were running wild, bothering other guests and told me those weren’t there kids when I was the one who checked them in and yes, they are.One soccer mom threw a fit over me being too busy to get her daughter a pitcher of water. I had a line practically out the door, was trying to also run breakfast while checking people out, and yet she was literally sobbing in my lobby about her daughter being dehydrated and allergic to juice. Or maybe she was allergic to sugar, and therefore couldn’t have juice? She ate the sugary pastries just fine, though, so.Or the annoying guy who pestered me every hour on the hour when our hotel elevator broke down basically demanding I track shipping on the part for it we’d ordered, call and bother the OTIS repairman, and even suggesting I should try to fix it myself, even though I am clearly extremely busy running up and down stairs because of other guests with legitimate requests. (This was my last weekend, and I had no qualms leveling him with my No More Bullshit gaze the third time he stopped by, interrupting him with, “Sir. Do I look like an elevator repairman?” He was stunned into silence, then embarrassed further when his wife came up behind him and smacked him and told him to stop bothering me.)Could be the guy who got into a shouting match with me because there wasn’t any food in the meeting room he’d booked (three hours before his meeting), and kept insisting I was lying about not having in-house catering. He did not like being told that if he wanted catering, he should call his assistant and have her arrange it. He also did not like being ignored and walked away from. But then, I did not like being verbally abused in my place of business, so I guess we’re even.There’s Shoe Guy, who put up such a huge fuss about believing my hotel stole his grotty, ancient running shoes that my manager bought him a new pair just to shut him up.There’s the family of possible meth addicts who came in around the holidays and whose toddler aged daughter looked suspiciously like she’d been hit in the face repeatedly, but who we didn’t have enough evidence on to call anyone about.Low-level celeb who kept changing his aliases to increasingly stupid things, then refused to pay his bill, was sued by the company, then called the hotel and threatened me.I think the most exhausting was Emotionally Manipulative Ass, who had an issue with the credit card we had on file. I apologized, explained what we would need in order to fix it, and his response was, “Fine. This better be fixed by the time I get back, OR ELSE.” He got back, I showed him that his issue had been fixed, and he nodded, then stood there, saying passive aggressive things like, “I can’t believe this was even an issue,” and “your credit card policy is dumb” to which I made polite replies, such as, “Well, things like this do happen, but as you see it was an easy fix” and “our policy is in place to protect our guests from credit card fraud” until finally he gives me this horrible, condescending look and says, “You’re not going to say it, are you? You’re not going to admit you made a mistake!” Before I could even begin to parse the convoluted logic that led him to believe he was owed my groveling at his feet, my supervisor literally threw herself between us and metaphorically kissed his ass for two minutes and gave him some free perks for the inconvenience. (I was then yelled at for not apologizing or admitting responsibility for the mix up—even though there had been no card on file at all when the man checked in which meant I had followed policy and she knew it, and I had apologized at the beginning of the conversation which she conveniently “didn’t hear.” I very quietly explained “I was trying to be professional, but I don’t suck up to manipulative guests who want to humiliate me for things that are no one’s fault.”)No, wait, my favorite one is definitely Black Louisianan Family. When they show up to check in, the credit card holder is not with them, which means they have to provide an alternate method of payment. None of their cards go through even after I significantly lower the room rate, and they don’t have enough cash, even pooled together. I apologize multiple times, explain that I can’t drop the room price any lower, and yes, I do need a valid form of payment secured before I can check them in. They call the card holder to see what he wants them to do (I think he was the eldest son in this family), and he demands to speak to me. I try running his card multiple times. I try reentering the number multiple times. I keep getting the same message, which is the PMS’s generic “this card was declined by the providing bank” message, and tells me nothing about why it’s declining, so I can’t even tell him why it’s not going through. He can’t understand why the card won’t go through, he just put money on it yesterday! I suggest all the usual things—maybe the deposit hasn’t gone through yet? Or your bank wasn’t notified you’d be traveling out of state? Hotel charges are one of the most common forms of credit card fraud, could your card have been stolen? He insists that no, there is money on it, I must be doing it wrong. I have one of the brothers come around and witness me entering his card (which I’m not supposed to do, but it’s 2AM and I’m going to need to roll the day soon), and he assures the card holder that yes, I’m entering it just like he said. Finally I put my foot down. “This card isn’t going through, and none of your payment methods are working either. Unfortunately, I cannot rent you a room without a valid form of payment, which you do not have. Your options are to look somewhere else, or to find an ATM and put the cash you have on one of your debit cards so that I can authorize the card for the discounted rate (this literally would have fixed the problem, as the amount on at least one of their debit cards was disclosed to me by the mother, and adding that to the cash they had they could have managed to pay for the night. Unfortunately my system wouldn’t let me split the initial transaction for some reason).” The mother agrees, apologizes for how long they’ve been taking my time, and asks about cheaper hotels/motels. I explain that the two neighboring hotels are going to be the same price as this one, but there’s a motel on the corner they might be able to rent from. It’s an America’s Best Inn and Suites, and the definition of “seedy,” but it’s cheap, relatively clean, and close by. The family thanks me, and leaves. The card holder calls me multiple times over the rest of the night, accusing me of many things, including credit card fraud, racism, and sadism (apparently for making his poor mother sleep in her car). He forces me onto a conference call with the hotel chain’s service desk. The woman tells him exactly what I told him—without a valid method of payment, we are not able to rent you a room, no exceptions. His final call was entirely made up of threats that “I’d better be able to prove I didn’t steal money off his card” and was ended with me saying firmly, “If you’re going to threaten me, sir, this conversation is over.” Even though I reported all this, and my GM smoothed his feathers, he legitimately threatened me the next night when he finally made it to town, basically making open ended threats that made me fear for my health and well-being. Of course when I started to say I was going to call the police if he kept it up, he laughed it off like a joke, but no. It wasn’t.I hate hotels. I’m never working in one again.

Why do hotels charge resort fees?

Why do hotels charge resort fees?Resort fees are a way for hotels to advertise one low rate yet charge a higher rate that the guest is forced to pay at the hotel. This is a way for the hotel to lure in more guests and make more money. Resort fees brought in $2.47 billion to the hotel industry in 2015.What is a resort fee?A resort fee is a separate mandatory fee that a guest must pay to receive the key to his room. The fee is charged in addition to the room rate. The resort fee is also taxed (usually). Being charged a resort fee is similar to paying a second hotel room rate.Resort fees are unique concept to North America. Though mostly found in tourist destinations in the United States, some resorts in Mexico and the Caribbean also charge resort fees. A handful of hotels in Canada have also recently taken up the practice.Most resort fees are charged separate from the room rate. That is, if a guest pays in advance with a credit card for a room online he is paying the advertised room rate and all necessary taxes. A reasonable person would assume that is the final price of the hotel. When the guest arrives at a hotel with a resort fee; however, he will be forced to pay the additional resort fee / second room rate for his entire stay at the front desk when he checks in.Sometimes this concept as referred to as drip pricing. One price is advertised out front to lure in a customer but when the customer goes to book there are then mandatory unavoidable fees, taxes and other add-ons that incrementally drip and increase the original advertised price.As the term “resort fee” has become tainted in the minds of some tourists, hotels are starting to use new terms for the same idea. Sometimes the additional fee is called an amenity fee, a destination charge, a facility fee, or a resort charge. These are new names for the same resort fee concept.The worst part about these fees is that the information about the fee is usually obscured. Some hotels do not mention the resort fee anywhere online. Many hotels include it only in very small fine print. Some hotels list the fee as a tax.Resort fees / second room rates are always left out of online search tools like Hotel Tonight, Expedia and Priceline making it impossible to compare hotels when shopping online. Since these online tools are there to search for advertised rates, they do not apply to any secondary room rate / resort fees for the night.Resort fees also take profit away from travel agents. Travel agents earn their commission by booking the listed room rate for the hotel but they do not collection commission on taxes or fees.Why Do The Hotels Do This?As more and more guests search and book hotels online using search giants like Expedia, Priceline and Hotels Tonight, hotels receive less of a profit. Expedia(and their associated companies like Hotels.com, Hotwire, Orbitz, Travelocity, Trivago), Priceline (and their company Booking.com) and Hotel Tonight take a large chunk of the profit pie from each hotel reservation they make for a hotel. The hotel then is incentivized to somehow leave Expedia, Priceline andHotel Tonight out of the process. By advertising one rate that a guest pays for through Expedia but then charging a second room rate / resort fee that a guest is forced to pay directly to the hotel ensures the hotel can regain some of its losses.For example, say Bob’s Hotel advertises a $100 hotel on Expedia. Jane books Bob’s Hotel in Niagara Falls,New York on Expedia and pays $100 plus taxes to reserve her room. Expedia might take $25 and then pass $75 on to Bob’s Hotel to secure Jane’s reservation. When Jane gets to the hotel, the front desk staff at Bob’s Hotel tells her there isa $25 resort fee / second room rate that she is forced to pay to be able to receive her key. Jane says she had no idea and thought she had already paid for the room in full on Expedia but the hotel staff says that this is a separate charge, it must be paid directly to the front desk and she cannot receive her room key until she pays the fee. The hotel receives 100% of this $25 that Jane pays directly at the front desk of the hotel. The resort fee is how the hotel gets back to receiving $100 per night for a room. Jane is upset and feels tricked but she is on vacation so she is unlikely to protest. She’ll enjoy her vacation and never return to this hotel again. Bob’s Hotel knows that thousands more people like Jane, who just want to see Niagara Falls once in their life, will stay at the hotel.Doesn’t The Resort Fee Cover Amenities?No. Since the resort fee is a mandatory fee, a guest is not paying for amenities. He is simply paying a second room rate to the hotel.If the resort fee actually covered a service such as the use of the hotel pool, a guest would receive the service if she paid $15 for the use of the pool. Resort fees, however, force a hotel guest to pay $15 under the guise of being able to use the pool when in reality the guest is forced to pay $15 even if she never used the pool because there was freezing rain. The resort fee is not providing a service. It is simply an additional mandatory hotel rate.Hotels like The Andaz in Maui clearly list what the resort fee claims to offer online in bullet points. That is an exception. Most hotels that charge resort fees do not know what their resort fee claims to cover.Usually what the resort fee allegedly covers is not listed online. If a potential customer calls a hotel to inquire about a fee, they might transferred to the hotel’s booking system which generally is thousands of miles away from the actual hotel. A booking agent in Nebraska is unlikely to know the details of the services provided in a hotel in the Napa Valley. If an inquiring potential guest is lucky, he could be transferred back to the hotel’s front desk that might be able to answer the question of what is covered for the resort fee.Most hotel front desk staff is uninformed and untrained in how to answer the question of what is provided by the resort fee. In researching resort fees, I have had front desk staff say the resort fee is “a credit card processing fee,” “a local tax,” and “just a thing everyone does.”Though all of these answers are incorrect there is at least some hotel front desk staff that realize the absurdity of the resort fee situation. When I called the Super 8 Hotel in Las Vegas to ask what was provided with their $14.60 per night resort fee, the clerk who answered the phone burst out laughing.How Do They Get Away With This?Hotels that charge resort fees are usually at hotels that either do not need repeat customers or they are in a location with resort fee collusion.One – No Loyalty NeededHotels that charge mandatory fees in addition to the advertised rate insult their guests intelligence. They can get away with this because these hotels do not care about repeat business. This means that hotels that charge such fees are in tourist areas such as The Florida Keys, Orlando and Miami, Florida; Las Vegas, Nevada; The Hawaiian Islands; Niagara Falls, New York, the Napa Valley in California, etc. These hotels are taking advantage of unsophisticated travelers who do not have expense accounts and are unlikely to read the fine print. The hotels in these areas are also targeting tourists from other countries who are not familiar with US hotel billing practices and may not speak English.For example, say Rakesh and his wife have been saving up for three years to take their kids to Orlando. On the big day, the family sets out at 6am to drive for 12 hours to reach Orlando. When they get to the front desk of the hotel, Rakesh finds out that they have to pay an additional $300 in a resort fee to receive the key for their week stay in Orlando. Though Rakesh did not have any idea about the fee, he is exhausted. He does not know if this extra fee is a normal part of travel and he is ashamed to show his travel naivité. He has three anxious kids at his side and this is his only vacation in three years so he puts the charge on his credit card, feels tricked and takes his family to their room. The family saved up three years for this Orlando trip and three years later when they can travel again, they hope to go see something new. The family is unlikely to ever return to this hotel in Orlando.Two – Resort Fee CollusionAnother way that hotels getaway with this is for hotels in an area to bundle together and all charge high resort fees. This leaves tourists with no non-resort fee alternative. There is currently no hotel on the Las Vegas Strip that does not charge a resort fee / second room rate. From the Circus Circus’ $23.52 to the Bellagio’s $35.84, there is no alternative to these add-on fees. If you want to go to Las Vegas and stay on the Strip, you will be forced to pay an additional $23.52 - $35.84 per night and you have no other options.How Do Hotels Justify Resort Fees?Excuse One) Increasing Cost of Hotel FacilitiesHotels justify resort fees by saying that the fee pays for the increasingly lavish costs of the hotel facilities. They argue that the room rate a guest pays only pays for his hotel room. The resort fee covers the use of the rest of the hotel – the pool, the gym, the wifi, etc. That’d be valid if it was possible to opt out of the resort fee, yet resort fees are almost always mandatory. If a guest truly does only want to use the hotel to sleep in her bed and nothing else, she would still be forced to pay the resort fee to receive the key to her room.Furthermore, the argument that a resort fee pays for the parts of the resort might be valid if it only existed at resorts. The Super 8 in Las Vegas has a resort fee as does the two-star Hotel Pennsylvania in New York City and the Days Inn in Miami.Under this same line of inquiry, one has to wonder what the Moana Surfrider, A Westin Hotel in Hawaii, is doing charging $1,530 per night as their advertised room rate yet what on earth is not covered that the hotel still has an additional mandatory resort fee of $31.41 per night. With this logic, that is one very luxurious hotel room and one very not so exciting resort.Fifteen hotels in New York City now charge resort fees. Though one generally does not associate New York City with resort-like relaxation, the city has never been known as a place to shy away from an extra dollar. The fifteen hotels in New York that charge resort fees do not offer any sort of sprawling luxury pool area but they do charge a resort fee of up to $32.66 per night for the pleasure of sleeping in a bed in New York City.Resort fees do not pay for resort services and amenities as they exist at thousands of hotels that do not even have a pool.Excuse Two) The fees are clearly labeled and the purchaser should have knownAnother way that hotel operators justify resort fees is that they say they are clearly labeled on their hotel websites and customers should read the fine print. Katherine Lugar, President and CEO of the American Hotel and Lodging Association said “throughout the booking process, hotels are transparent about costs, fees and taxes.”Sometimes this is true and hotels do note in the checkout part of the site in small print that resort fees will be applied. This is not always true; however, and some hotels leave any mention of a resort fee off of their website.Usually the hotels prefer to mention their resort fee somewhere likely never to be seen by a potential purchaser. The DoubleTree by Hilton Hotel Grand Key Resort in Key West, Florida mentions their pet deposit of 75 dollars on their front page but there is no mention of the $25 resort fee. To see the resort fee, a potential guest will need to put specific dates in the calendar and then the advertised prices are listed in large, bold 21 font size with a variety of price options. The resort fee is mentioned only once above the multiple advertised prices in 7.5 font size.Though all hotels that mention resort fees seem to put them in small font, some shift the attention even further to the taxes section of the page. If a guest directly books a hotel on the hotel’s website, the resort fee is often listed in taxes. This is a page that is likely never to be questioned by a tourist. A resort fee is not a tax.The Arizona Grand Hotel in Phoenix, Arizona has on their purchase page a summary that lists only the “subtotal” and the “taxes.” Only if you click on a further link for details do you see that the taxes include a $49.00 resort fee. Arizona has no resort fee tax.Even if a hotel, like the Intercontinental in Miami, clearly labels that a $15 resort fee will apply on their own website, that means nothing if a guest makes the booking on a comparison booking site like Expedia where all of the resort fees are left off. Since only the advertised room rate is shown on Expedia, Priceline and Hotel Tonight, there is no way to figure out which hotels have resort fees or what the resort fee is when comparing hotels.Excuse Three) This is no different than the airline industry or any other industry fees.Another defense of the hotel industry is that resort fees are no different that all of the fees that people seem to have gotten used to with other purchases. Rosanna Maietta, spokeswoman for the American Hotel & Lodging Association, said “service fees are common practice in retail and commerce, from banking and mobile fees to extra charges for event tickets.”This too is incorrect because resort fees are not payment for a service. The airline equivalent of the resort fee would be a flight attendant standing at the front of the boarding gate demanding an extra $35 to board the plane.The New York Times reported about the “Barrage of Fees is Starting to Follow Fliers to the Hotel” on August 12, 2013. In the article, Professor Bjorn Hanson of New York University said “the airline industry has created great cover that has emboldened the hotel industry.”Excuse Four) Eliminates “Nickel-and-Diming”A very common claim by those charging resort fees is that guests love that all sorts of amenities are bundled together. MGM Resorts International Senior Vice President Alan Feldman said “we have heard negative feedback from guests but we’ve also heard positive feedback from guests who are happy they are no longer paying a la carte for different services. They don’t feel nickeled and dimed.”These hotel executives are referencing back to a day when a luxury resort hotel may charge $10 to enter the pool or $2 for a thirty second local call. Today, however, the MGM Grand inLas Vegas charges $33.60 per day in addition to their room rate under the guise of providing “property-wide high speed internet access, unlimited local and toll free calls, airline boarding pass printing, notary service and fitness center access for guests 18+.” Local and toll free calls and boarding pass printing are obsolete services that the MGM Grand executives are claiming guests were asking to pay for in response to “nickel and diming.”Though hotel executives love to claim customers asked for a resort fee instead of being nickel and dimed, all one needs to do is search for tourists talking about resort fees online. All are negative. I could find no praise of resort fees from any tourist anywhere online. A quick search of Twitter returns thousands of tweets about peoples frustration with resort fees. There does not seem to be one hotel customer who is advocating for resort fees yet there are thousands of people who complain about being forced to pay $33.60 a day in the name of toll free local calls.How Is This Legal?Resort fees are likely illegal according to existing state consumer protection laws.Currently Senator McCaskill has introduced a bill in the US Senate that would allow for the Federal Trade Commission (FTC) to regulate and go after hotels that charge two rates for one night / resort fees. The Federal Trade Commission is the government organization that is tasked to regulate the hotel industry.The Federal Trade Commission has currently done little to protect consumers against hotels charging two room rates for one night. In 2012, they sent a warning letter to 22 hotels charging resort fees. No further action has been taking by the FTC on resort fees.In comparison, the Department of Transportation (DOT) has the authority to regulate the airline industry. They have gone after airlines for bogus fees like variable fuel charges. The DOT rule from January 26, 2012 (14 CFR 399.84(a)) requires that any advertisement for air travel must include all taxes, government-imposed fees,and all mandatory airline and ticket-agent imposed fees. This is why if a tourist buys a plane ticket on Expedia from Detroit to Buffalo, he can walk onto the plane and enjoy his plane ride from Detroit to Buffalo with that ticket.The Federal Trade Commission has argued that they do not have enough authority to go after hotels that charge two rates for one night. FTC Chairwoman Ramirez has called on Congress to draft new legislation to protect consumers from resort fees / two room charges for one night. Punting to Congress, Chairwoman Ramirez wrote to legislators interested in resort fee legislation. She said “in my view…the most efficient and effective means to mandate the type of industry-wide requirement you propose would be through legislation.”Senator McCaskill introduced the Truth in Hotel Advertising Act of 2016 on February 25, 2016. It is currently sitting in the Committee on Commerce, Science and Transportation. The bill “prohibits certain entities that are subject to the enforcement authority of the Federal Trade Commission (FTC) from advertising a rate for a hotel room that does not include all required fees other than taxes and fees imposed by a government.”Though laws that protect consumers from misleading and deceptive pricing are not being enforced in the United States, that is not the case in the rest of the world. The European Union requires all mandatory fees to be included in advertised prices. This makes the advertising of one rate plus resort fees in Europe verboten. The JW Marriott Marquis in Miami has a $15 resort fee. The “destination fee” is listed separate from the room rate when viewing the website from the United States in English and from the German version of the site from Germany. There is no difference between the ways the JW Marriott Marquis in Miami is advertising their website in Europe even though the practice is in violation of European Union law (see directive 2011/83/EU of the European Parliament).What are the consequences?Resort fees annoy tourists and they do not earn hotels repeat customers yet there are even more serious consequences to the practice of charging two room rates for one night.A Taxing IssueHotels that charge one advertised rate and one resort fee instead of charging just one total hotel price are depriving state and local taxing authorities from revenue.The Row Hotel in New York City advertises a $223.65 hotel room on their website. The hotel has a $25 facility fee. So a pre-tax hotel room at The Row costs $248.65. That is the amount that The Row should be taxed at to calculate the New York City occupancy tax and the New York City Javits Center tax. Yet, because $25 is missing from the total cost of the hotel, the entire price of the room is not subject to the occupancy tax or the New York City Javits Center tax. The resort fee at The Row in NYC is only being charged the New York City sales tax and the New York state sales tax. The facility fee / resort fee/ second room rate at The Row Hotel is only subject to 8.875% taxation. The advertised room rate is subject to a 16.3% tax rate.Free Nights Are Not So FreeWhen a hotel has a resort fee, the hotel can advertise free nights within their loyalty programs yet still collect a hefty amount of money for that “free night.” Casino hotels are particularly big on this practice. By charging resort fees, they can comp a room (give a room to a guest “for free”) to a guest for a week but still collect $150 in room fees for a “free five day stay.” This makes a “free night”not so free.Elimination of TrustOf course the worst cost to all of this is the total lack of trust between the hotel operator and the guest. If a hotel hides fees and demands more money for a guest to receive their key, where does it end? What hidden fees are next? Many guests have reported paying for a mandatory “safe charge.” That is, a fee to use the safe in the room whether they use it or not. How is a traveler to know where the mandatory add on fees end? There is no way to know what a guest has to pay fora hotel room until a customer knows the advertised price means something.When Does It End?Resort fees have gone up both by the amount charged by the hotels for the fee and the number of hotels that are charging resort fees. The average mandatory resort fee in October 2015 was $24.93, an increase of 30 percent over the $19.20 average resort fee of hotels the year prior. The number of hotels with resort fees grew from 1,191 hotels in December 2014 to 1,671 hotels in October 2015. This is an increase of 40.3 percent.Currently many hotels advertise a room rate that is less expensive than the resort fee. The Excalibur in Las Vegas advertised a room rate of $28.00 per night fora one night stay for May 31, 2016. The resort fee for that room is $29.12 per night. The resort fee costs more than the cost of the hotel room. An actual one night stay at the Excalibur then would actually be $60.48. There is nothing stopping these hotels from advertising a $1 hotel and then having a $100 resort fee.Without a change to the law, there is unlikely to be an end to these second room rates.How Can You Avoid Paying Resort Fees?Step One – Ask to speak to the managerWhen you are at the front desk and the hotel staff is demanding an additional $35 a night for you to receive your key, politely ask the manager if you can decline all of the amenities the hotel is allegedly providing with the resort fee. Say you are not interested in the pool as it is freezing out. See if you can get a nice manager to remove the resort fee. If you are at a hotel where you have loyalty status, politely remind the manager of your status and ask for the fee to be waived.Step Two –Dispute the chargeIf speaking with the manager does not work, pay with your credit card and make sure to get documentation from the front desk that shows that you were forced to pay an additional second rate / resort fee for you to receive your room key. After you stay at the hotel, make sure to talk to your credit card company about how you were forced to pay an additional $35 per night that was not advertised, it was not part of the room rate and you used none of the services allegedly provided. Ask for the credit card company to dispute the claim and return the $35 per day charge back to your credit card. They will investigate and the credit card company will likely refund you.Step Three - Small Claims CourtIf you paid your resort fee with cash, there is still one last effort you can take to get your resort fee / second room rate back. Make sure to get a receipt. A one week stay in a hotel with a resort fee can easily be $250 that one did not expect to spend. If you booked the original room rate online sitting on your couch at home, you have jurisdiction to sue the hotel in your home district’s small claims court. Small claims court allows you to fill out a piece of paper or two and pay a small claims court fee. The small claims court will send a notice to the hotel that you are requesting the return of the $250 fee. No lawyer is needed for small claims court and the court is specifically set up to be as accessible as possible to anyone who feels like they have been wronged. Small claims court is an excellent way to get justice.In addition to personally challenging one resort fee, what steps can be taken to end resort fees now?1) Search giants like Google should promote sites that display the true price of the hotels.2) Companies like AAA that rate hotels should continue their policy of removing points from the hotels’ evaluation score at hotels that charge resort fees. Travel guides and hotel ratings should not encourage guests to stay in hotels that charge two rates for one night.3) Call your member of Congress and tell them that you would like to see an end to resort fees / two room rates for one night.SummaryResort fees are a way for hotels to advertise one low price but charge another higher price when the guest gets to the hotel. This brings in billions of dollars to the hotels. Often these hotels are in locations that are preying upon unsophisticated tourists. The Federal Trade Commission is tasked with regulating the hotel industry. So far the FTC has done little to protect tourists from double room rates at resort fee hotels. Without a law making the charging of two rates for one night / resort fees illegal, it is unlikely that this practice will change.The advertised hotel room rate should be the final price of the hotel.EXAMPLES:Excalibur’s $28 advertised room rate is less than their $29.12 resort fee.The Arizona Grand Hotel lists their resort fee as a tax.The Super 8 in Las Vegas has a resort fee.The DoubleTree by Hilton in Key West, Florida mentions the $75 pet fee on the front page of their website. There is no mention of their $25 resort fee anywhere on their front page.The Row NYC, along with many other New York City hotels charging resort fees, taxes their resort fee at a different rate than their advertised room rate.The 2012 Warning Letter from the Federal Trade Commission to 22 Hotels Charging Resort FeesThe JW Marriott Marquis in Miami does not include their resort fee in their advertised price on their US site in English or on their German site in Germany.AAA will ding hotels for charging resort feesHotel Spokespeople Defending Resort Fees / Two Room Rates for One NightThere is plenty of chatter on the internet involving resort fees. None of it is positive. All of it involves confusion about what a resort fee is and whether the person has to pay it or the rage in having to pay it. Here are some tweets just from the last week.

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