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It is up to the individual hotel as to whether they will allow you to stay. However, there is the gray area when you make a reservation on-line, it does not ask your age, nor is the policy usually stated. This only occurs on a walk-in basis. If you really need to stay at a hotel and are under 21, then I recommend you make your reservation on-line, so that you can at least have a good argument point when you check-in.

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Q: Can persons under the age of 21 check in at a hotel if they are using their own credit card?
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