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Why is the Pending Transaction amount higher than the amount I actually spent?

Sometimes before a purchase transaction is completed, the merchant may first submit an authorization request for a fixed amount. This could happen where you make a 'pay at the pump' gas purchase or a hotel or car rental reservation. In these cases, the actual amount of your purchase will only appear in your Posted Transactions list 3-5 business days after the date of your purchase. Until this happens, the Available Credit for your Account will be reduced by the fixed amount requested by the merchant.

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