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While most card issuers will simple retain the money for a period of up 30-60 days to apply toward transactions, I have had a card that actually charged a fee for having a negative balance in excess of $10 for more than 30 days (the fee was $10/month). It’s a nearly unavoidable part of the hotel check-in ritual: show your ID, sign the paperwork and then hand over your credit card as an advance against ‘incidentals’ – those one-off expenses ranging from a late-night attack on the minibar to dry cleaning and room service. 1. This is because it is the main driver who signs the rental agreement and is legally responsible for the car. Although depositing a check written in someone else’s name is possible, there are some legal issues you should be aware of first. You can book a hotel room without a credit card by using a debit card in most cases. 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