I honestly don't mind the hold for the full amount--I mean, I'm paying it anyway, this way I know full well how much it'll take without having to do math in my head.
I do, however, put a credit card for the incidentals, since lately some are ratcheting up the hold. It used to be $25, then $50, then $25 per day, we stayed a couple days this past year at an Illinois hotel and it was $75 per day. ALMOST AS MUCH as the hotel was charging per day anyway. They remove the hold 2 days later but yegods. There are times I want to use that money!