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Why is the Pending Transaction amount on my TD Credit Card higher than the amount I actually spent?

For certain types of transactions a Merchant may first submit an authorization request for a fixed amount. Common examples where this occurs are: 'pay at the pump' gas purchase, hotel or car rental reservation. In these cases, the actual transaction amount will appear as a Posted Transaction 3-5 business days after the date of the transaction. Until this happens, the Available Credit for your Account will be reduced by the fixed amount requested by the Merchant.

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