topic Re: Amex has pending gas charge beyond what was used? in Credit Cards

Amex has pending gas charge beyond what was used?

Anonymous — Wed, 16 May 2018 23:22:21 GMT

Stopped at a Shell station I have used before and pumped $32 of gas. Amex has two pending charges for $80 from them. I thought everyone held a $1. Is it different with Amex? Do I need to dispute something? That is $160 hold for $32!

Re: Amex has pending gas charge beyond what was used?

Anonymous — Wed, 16 May 2018 23:33:28 GMT

No need to dispute

@Anonymous wrote:
Stopped at a Shell station I have used before and pumped $32 of gas. Amex has two pending charges for $80 from them. I thought everyone held a $1. Is it different with Amex? Do I need to dispute something? That is $160 hold for $32!

the hold will fall off in a day or so. This happens at every gas station I visit.

Re: Amex has pending gas charge beyond what was used?

NRB525 — Wed, 16 May 2018 23:34:03 GMT

You cannot dispute pending charges.

Give it it a few days, they will sort out to one charge for the actual amount. This is typical for gas pump charges.

Re: Amex has pending gas charge beyond what was used?

Anonymous — Wed, 16 May 2018 23:46:59 GMT

These days it is pretty common fo CC company to hold big chunk $$ for gas.

Please see my posting below about my Discover card hold $150 for the gas and lovely opinion from other members:

https://ficoforums.myfico.com/t5/Credit-Cards/Gas-Station-150-temporary-hold/td-p/5204204

Re: Amex has pending gas charge beyond what was used?

Anonymous — Wed, 16 May 2018 23:59:04 GMT

The hold only happens if you slide your card at the pump.

If you go inside and pay, there will be no hold.

Re: Amex has pending gas charge beyond what was used?

CreditCuriosity — Thu, 17 May 2018 00:02:33 GMT

I have had holds on Amex in excess of 100 before... Just a pending charge and will fall off as others stated albeit annoying none-the-less

Re: Amex has pending gas charge beyond what was used?

fltireguy — Thu, 17 May 2018 00:05:34 GMT

I normally see $125 at RaceTrac stations here in Florida on my Amex

Re: Amex has pending gas charge beyond what was used?

Anonymous — Thu, 17 May 2018 00:16:25 GMT

This is my first over a $1 in a long time. Surprised me completely.

Re: Amex has pending gas charge beyond what was used?

Jnbmom — Thu, 17 May 2018 00:20:29 GMT

AMEX is the only card that does this to me, last time it was 3 days after I used at gas station.

Re: Amex has pending gas charge beyond what was used?

K-in-Boston — Thu, 17 May 2018 00:26:52 GMT

I’ve said this before, but it bears repeating... American Express is not placing the authorization charge. The gas station is placing it through their merchant account. For some reason, there are a lot of reports here of people having higher authorizations when using an Amex. That’s completely on the merchant. I usually get a $99 authorization no matter what card I use at Shell stations.

Re: Amex has pending gas charge beyond what was used?

Anonymous — Thu, 17 May 2018 00:38:11 GMT

Here's another scenario. As the good MFers have mentioned here, this is normal, to be expected. It will reconcile within 5 days or less.

One time I was at one of those near the freeway stations. All the car lanes were full, so I decided to avail myself of one of the two RV lanes, since I could pull right in. Being the RV lane, that hold was entered as $500.00 on my card, and of course reduced my buying power by that much. I didn't know it at the time, only later when the card I was using was declined...

You can avoid these things by going inside and asking for a specific dollar amount to be charged to the card.

Re: Amex has pending gas charge beyond what was used?

K-in-Boston — Thu, 17 May 2018 00:46:07 GMT

I pity the poor person that uses a debit card at THAT pump. Personally I am okay with the authorizations. I’d really rather not have to go inside and since every station I have been to in at least a decade is prepay, I just want to fill my car up and not have to guess how much to have them run the card for.

So even better, I got an email to link up my Fuel Rewards account with Chase Pay. It was super easy. You open the app, put in the pump number, enter the 3 digit code it gives you at the pump, and after filling my tank it actually authorized the card for the exact amount. I got 25 cents off per gallon (about $3) from Fuel Rewards and nearly 200 URs (a few more dollars).

Re: Amex has pending gas charge beyond what was used?

HeavenOhio — Thu, 17 May 2018 01:01:42 GMT

I got an $80 hold at a Shell station recently. I wonder if that's common among all Shells. It disappeared once the charge posted. Usually, I get a $1 hold that disappears within a few minutes on AMEX. On my other cards, $1 holds tend to disappear within a couple of hours. At worst, they hang around until the end of the business day,.

The worst case scenario happened to me recently. Paying at the pump failed, so I had to pay inside. Because the hold at the pump didn't have a corresponding transaction, it hung around in pending for several days. I believe that was a hold for $100.

Re: Amex has pending gas charge beyond what was used?

Anonymous — Thu, 17 May 2018 01:46:08 GMT

@K-in-Boston wrote:
I pity the poor person that uses a debit card at THAT pump. Personally I am okay with the authorizations. I’d really rather not have to go inside and since every station I have been to in at least a decade is prepay, I just want to fill my car up and not have to guess how much to have them run the card for.

So even better, I got an email to link up my Fuel Rewards account with Chase Pay. It was super easy. You open the app, put in the pump number, enter the 3 digit code it gives you at the pump, and after filling my tank it actually authorized the card for the exact amount. I got 25 cents off per gallon (about $3) from Fuel Rewards and nearly 200 URs (a few more dollars).

Same here but I got 35 cents a gallon. Yee-haaaa, giddie-up.

Re: Amex has pending gas charge beyond what was used?

Anonymous — Thu, 17 May 2018 02:35:14 GMT

Yep, always &85 for me. Luckily it’s PRG so I don’t really see any “effect” from it.

Re: Amex has pending gas charge beyond what was used?

Anonymous — Thu, 17 May 2018 02:53:56 GMT

is there any reason why gas stations have such large holds

Re: Amex has pending gas charge beyond what was used?

simplynoir — Thu, 17 May 2018 03:16:39 GMT

@Anonymous wrote:
is there any reason why gas stations have such large holds

Basically, to make sure you can make the purchase. Similar reasoning why hotels/airlines place holds since the final total isn't known they want to make sure you can pay for the gas before the final purchase is tallied up.

Re: Amex has pending gas charge beyond what was used?

Anonymous — Thu, 17 May 2018 04:55:39 GMT

Where I live gas stations aren't even prepay

Pisses me off when I travel..

Re: Amex has pending gas charge beyond what was used?

Anonymous — Thu, 17 May 2018 05:10:17 GMT

When I swipe my Amex at the pump at any Shell station, it always is a $95 charge until a couple days later. I don't know if it is Shell's policy or or varies by store. Not sure what other gas stations charge for a preauthorization.

Re: Amex has pending gas charge beyond what was used?

Anonymous — Thu, 17 May 2018 05:52:05 GMT

I already said go in and pay versus sliding the card at the pump? So no need to repeat it.

But most are to lazy.

Some couldn't care less about the hold like K- in Boston or myself if I'm too "LAZY".

If you dont want the hold, take a few extra steps wait in line for a few and you won't toss and turn in bed all night over a baby $99-$150 hold.