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03-18-2013, 07:29 AM
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#29
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Senior Member
Monaco Owners Club
Join Date: May 2012
Location: DFW, Tex-US
Posts: 6,196
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for sure, the hold does lower your available balance AND be ready for a inattentive waitress @ a restaurant to key something like $855.65 for an $85.65 bill !!!... odd that something like that happened to me twice in one week while vacationing...
and had I not had limits set @ the bank to email me with 'odd' transactions - I would not have have known for a few days, because the receipt only showed the $85...
first time it got reversed while there, second time I had already left and took the 4 or 5 days.... I got a free gift certificate for that one !
__________________
'11 Monaco Diplomat 43DFT RR10R pushed by a '14 Jeep Wrangler JKU. History.. 5'ers: 13 Redwood 38gk(junk!), 11 MVP Destiny, Open Range TT, Winn LeSharo, C's, popups, vans, tents...
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03-18-2013, 07:44 AM
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#30
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Registered User
Winnebago Owners Club
Join Date: May 2012
Posts: 155
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I've had a similar thing happen at a motel. I was excited for a while also. Actual billing comes through a little later. I no longer worry about it. Just the way of doing business these days I guess.
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03-18-2013, 09:04 AM
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#31
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Senior Member
Gulf Streamers Club
Join Date: Jan 2012
Location: Cincinnati
Posts: 19,925
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A tempest in a teapot, IMHO. A 'hold' doesn't give anyone access to your money, it's the creditor's check that you are good for the amount they are 'loaning' to you. The hold reserves that amount of your approved credit with the CC company or bank. Not surprising that the hold goes on immediately, that hold was put on automatically by ultrafast, efficient networks of computers so we don't have to wait for approval of the charge. (A person waiting for a credit check is likely to terminate the sale if they have to wait more than 30 seconds!) The removal of the hold happens when the business gets around to submitting the actual charges. It is not a conspiracy.
If you don't have a sufficiently padded credit line, ask to have it increased, use cash, or stop spending so much!
__________________
Bob & Donna
'98 Gulf Stream Sun Voyager DP being pushed by a '00 Beetle TDI
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03-18-2013, 09:13 AM
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#32
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Senior Member
Join Date: Apr 2010
Location: Playa del Carmen, Q.R., Mexico
Posts: 590
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pend·ing (pndng)
adj.
1. Not yet decided or settled; awaiting conclusion or confirmation.
2. Impending; imminent.
prep.
1. While in the process of; during.
2. While awaiting; until.
It is not a charge, relax a little.
Ethical? Sure, why not?
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03-18-2013, 09:22 AM
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#33
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Senior Member
Country Coach Owners Club
Join Date: Dec 2010
Posts: 7,803
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According to the OP's statement, there is one less guy in front of me when I go ini for a fillup.
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03-18-2013, 09:43 AM
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#34
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Senior Member
Newmar Owners Club Freightliner Owners Club
Join Date: Mar 2012
Location: Weston, Fl.
Posts: 916
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Quote:
Originally Posted by redeldo
Running low on fuel in my pickup yesterday so I stopped at a Flying J exit 320 on I-75 in Georgia. The price was right at $3.43/gallon so I used my credit card, operated the pump and proceeded to gas up. Got the receipt, it showed $35.00 and off I went.
Checked my credit card balance this morning and it showed: PILOT $150.00 PENDING. What the heck is going on? I rarely ever stop at Flying J or Pilot, and if this is the way they do business I WILL NEVER AGAIN STOP AT FLYING J!!!!!
Is this ethical and why are they doing this? If they think I don't have sufficient limits to cover $35.00 then why would they charge the card 3 times that much?
Has anyone had this done before and how did you get it corrected?
Redeldo
01 Dynasty
01 Dakota
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It's legal, it's normal and it happens all the time. Wait a couple of days and the hold will be released. All will be well. Take care, seeya on the road.
__________________
2003 Newmar Kountry Star 3905, Freightliner XC chassis with CAT 330. Winnie the black lab, pretty Airbus captain wife, retired airline pilot with 11 grandkids. UH-1 pilot (Huey) U.S. Army 1967-1983. RVN 68-69. Northern Idaho my summer home.
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03-18-2013, 10:07 AM
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#35
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Moderator Emeritus
Join Date: Jan 2000
Location: West Palm Beach, FL. USA
Posts: 27,704
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There are legitimate reasons for the merchant to put in the hold, as others have already described. The irritant is that the credit card company often keeps the hold for 24-48 hours even though the merchant releases it immediately when the final charge is processed. For a time you may even have both the hold and the actual charge showing on your account! The card companys have a lot of excuses for doing this, but I'm confident that the real reason is that they get to show it on their accounts receivable. Even though they haven't actually charged you the amount (and never will), it appears on their books as an asset for awhile. If you add up all these floating holds, they get many millions (billions?) of extra dollars on their balance sheet every day and they can use that in the financial system just like real money.
__________________
Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is West Palm Beach, FL
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03-18-2013, 10:16 AM
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#36
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Member
Join Date: Jul 2010
Posts: 98
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All I ever see when using a Credit card is a $1.00 Pending charge. Only time I have seen them put a hold for more is if I use the card as Debit.
__________________
Retired USN Master Chief
1982-2005
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03-19-2013, 06:01 PM
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#37
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Senior Member
Tiffin Owners Club
Join Date: Mar 2011
Location: Ponte Vedra Beach, Florida
Posts: 113
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If you are worried about the merchant holding your funds just do what cash buyers do and give them a total to put on your card. You may have to stop to purchase fuel more often if you underestimate but you won't have these worries.
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03-20-2013, 02:40 PM
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#38
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Senior Member
Newmar Owners Club
Join Date: Oct 2009
Posts: 10,310
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Quote:
Originally Posted by johnsong3
If you are worried about the merchant holding your funds just do what cash buyers do and give them a total to put on your card. You may have to stop to purchase fuel more often if you underestimate but you won't have these worries.
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The person at the cash regester is not the one doing this, it is the credit card compnay, they will not (can't) put a "sale" amount that has not passed through the cash regester yet. They have held my card inside till I am done pumping then when I go back inside they will swipe my card and finish the transaction. The amount that is in question here is the amount that is "pending" online on your credit card's website that most people never see due to the small window that it stays in the "pending mode" then alls that is seen is the actual amount you purchased.
__________________
2012 Essex 4544 2011 Jeep JK, M&G Braking, 2014 MTI 27' Hog Hauler, Wireless brake control, 2006 Ultra & 1989 Springer, 2003 Harley-Davidson
FLHR Road King Anniversary
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03-25-2013, 05:30 AM
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#39
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Senior Member
Nor'easters Club
Join Date: Dec 2010
Location: Carmel, IN
Posts: 140
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I'm surprised no one has brought up the other pain at the pump. You can't fill an RV for $ 75, $ 100 or even $ 150, but all pumps shut you down regardless of your credit, and make you go inside, stand in line and start the process again. If you go to a Flying hook, use their discount card, (not much discount), they know you are likely going to buy a lot of fuel. Fueling should be an easy thing, not a major transaction loaded with road blocks.
__________________
Radio Engineer
2005 Winnebago Adventurer 35A
Toad 2010 Jeep Liberty / Blue Ox Aladdin
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03-25-2013, 08:47 AM
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#40
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Senior Member
Monaco Owners Club
Join Date: Apr 2009
Location: Where ever we stop
Posts: 828
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This type of "HOLD" is quit common. Most hotels and motels do it also.
The one thing to keep in mind, it does reduce your credit max. limit for the two-three days it is on your card.
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03-25-2013, 08:11 PM
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#41
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Member
Join Date: Aug 2012
Location: carneys point New Jersey
Posts: 69
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it is both the credit card company and flying j. all but the 35 dollars should be put back on the card
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03-25-2013, 08:46 PM
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#42
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Senior Member
Newmar Owners Club
Join Date: May 2007
Location: Somewhere....
Posts: 4,054
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Quote:
Originally Posted by cronin069
it is both the credit card company and flying j. all but the 35 dollars should be put back on the card
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You might want to read the whole thread. The OP posted the next day (#18) that the hold was removed and all that remained was the $35 charge.
__________________
2008 King Aire 4562, Spartan K3(GT) w/ Cummins ISX 600
2014 Jeep Grand Cherokee Overland 5.7L V8 Hemi w/ Blue Ox Aventa LX Tow Bar and baseplate, SMI Air Force One brake
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