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What is a pre-authorization hold?

Certain purchases (e.g., hotels, restaurants, car rentals, gas stations) require pre-authorization and may temporarily hold money from your card balance that would be greater than the actual purchase amount once the purchase is processed.

After the purchase is processed, any unused portion of the pre-authorization will be released, and your balance will be adjusted accordingly.  Availability of the excess pre-authorized money could take up to several days to be released back into your card balance. Some merchants may require different authorization hold times. This information is for reference and not a guarantee of hold length.

Gas stations

When using your card at gas stations, it is best to prepay for the exact amount at the cashier.

Note: If you pay at the pump, a hold of up to $100 or more may be placed on your card. This hold may last up to 5 days. (Hold times may vary depending on the merchant.)

Restaurants

Restaurants may automatically add up to 25% or more to your bill to cover a tip. If you do not have a sufficient balance on your card to cover the amount, the transaction will be declined.

Hotels

Hotels may place a hold on your account for your room reservation. It is typically released upon checkout but may last up to a couple of weeks.

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