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Hotel option - pay now or pay later

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I'm booking hotels for a trip to Amsterdam, Bruges and Brussels in late Aug/early Sept. For the first time, several booking sites are giving me the option of 1) paying them (the booking site, say Expedia or something similar) right then, in dollars, OR waiting until I get to the hotel and paying the hotel, in euros.

I don't know if this just means I'm betting on which way the exchange rate is going to go or something else. My husband says why not keep our money for 3 months longer, which makes sense. I am assuming that the price in dollars that the booking site has on my confirmation IS the price - that is, that the hotel will just bill me that price using whatever exchange rate my credit card is using.

How are other people dealing with this? I don't remember having this option when I was in Scotland last year or Spain the year before.

Thanks so much,
Alice

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