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Why do I need to save a company card, and when is it charged?

You can open the account without a card. A booking, no.

You can open your account and run searches without saving a card. But no booking can be confirmed until a company card is on file: it is what secures the hotel, and what keeps your employee from paying up front.
Only the account owner can save it, in Account & Payment. REDUVO does not keep the card number.
On confirmation, the amount is held on the card. It is charged 48 hours before the free cancellation deadline: until that date, you can still cancel at no cost.