So here's my (long) story ... I booked a complicated award routing recently and need to book quite a few hotels between now and March 2013. I'm a Hyatt elite but despite trying very hard I've started to learn they just don't have the hotel coverage for my travel patterns. So I'm looking at Starwood. I booked a hotel in Kuala Lumpur in addition to one night stays in San Francisco and Boston two nights ago. I almost always book pre-paid rates because I prefer knowing my accommodations are taken care of and that my spending money is just for incidentals when I'm traveling. I checked my credit card statement last night to discover none of my pre-paid rates were charged. I then woke up this AM to find an email from the Kuala Lumpur property saying my card didn't go through. Turns out my credit card company thought the Malaysian charge was fraud and froze my account, thus none of the charges went through. I called the Boston and San Francisco properties to talk to them about the issue only to discover that despite getting an advance purchase pre-paid rate, both properties had my reservations secured and said they wouldn't have tried to charge me until a day before I checked in. So when it comes to Starwood properties, when does "pre-paid" actually mean pre-paid? Seems the Malaysian hotel tried to get the prepayment thus triggering a freeze, but the US properties had no issues because they never intended to charge me till the day before my reservation.