I'm taking a trip in April, but my credit card has already been charged for the entire hotel bill. That's often one of the downsides of taking advantage of a low online rate. Hotels.com has announced a new program, "Bill Me Later," which allows guests booking hotel stays online to defer payment up to 90 days. So, you're not paying for that Valentine's Day getaway until June. it's too late for my trip, but maybe not for yours.