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Watch your availible limit, when it hits zero charges are likely to be declined. If you are going to exceed your availble credit limit make a payment online or give them a call and make a payment. Pending charges can hang around for 7 days. And some companies will actually charge you again instead of modifying the existing pending charge so your $500 car rental can use upto a $1000 of your availible limit or more when you pay the rental and the hold is still pending on your card.