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Why is 7 months too far away? It's certainly not price wise (especially if it falls over school holidays).
Only disadvantage is flexibility, but most decent hotel sites have good rates with free cancellation until a day or two prior now in any case. The super cheap non-refundable rates would be out for that far ahead now, but I can understand now knowing plans that far ahead.
I mean there's a slight chance prices will be better closer to the date if specials etc are released, but if you want somewhere specific and want to guarantee a decent rate, certainly nothing wrong with booking this far out.
Never heard it called Card Rate - maybe that's a British/European thing. We call it rack rate. Plenty of hotels offer their Advance Purchase rates (these range from 120+ days, 90+ days down to 14+ days) from the beginning - but it really depends on the hotels popularity.Hotels frequently only offer the expensive 'card rate' if you book too far in advance and start offering the cheap price comparison websites closer to the time when they realise they're not going to fill the hotel otherwise.
if there's a concert or a bank holiday or whatever then sure, book while you can