Amex and gas Verification.

[Anonymous]

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@zerbherb wrote:
apparently the verification charge is a even 100$. Does this sound right. I'm confused and scarf.

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It must depend on where you live. Every card I've ever used and every gas station I've encountered only does a $1 verification charge lol. Never seen anything more than that.

[jamesdwi]

I guess in the end unless you are using a pre-paid AMEX card or you got FR'd and got a rediculously low hard limit set on your card, most people really don't have to worry about a temp hold on an AMEX card, I know my Zync card has an internal limit of $20k minimum last I checked, my smallest AMEX card limit is 6k. So i'm good even if I drove an 18 whelled semi. 

[knhorn]

My AMEX has always been $100 and any other card $1. I was concerned the first time I filled up on AMEX.

[Anonymous]

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@knhorn wrote:

My AMEX has always been $100 and any other card $1. I was concerned the first time I filled up on AMEX.

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Same here.. I thought it was some sort of fraud my 1st time too..

[CreditCuriosity]

Yep 100 hold here as well.. Granted my limit can support 100 easily,I just don't think it is right they do it.. Use my SM now and $1 hold tops, problem solved..  Same stations too.. Don't understand it at all

[dwz55]

A Chevron station on I-5 in California did a 175$ hold on my Mastercard.

[Ghoshida]

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@14Fiesta wrote:

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@Ghoshida wrote:

I've only faced the $99 / $100 hold issue with AMEX.

Now I exclusively use Sallie Mae to fill up. There's never any hold and the only charge showing is exactly what I incurred at the pump, as temporary transaction.

Does AMEX act differently than other cards or is something there that I'm missing?

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Are you saying there is a $100 hold with AMEX, but if you use a different card at the same exact gas station, there isn't a hold?

If that's the case, it could be how their proccesor handles different CC networks. It may post authorize MC network cards, but only pre authorize AMEX cards.

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Possible.

I started getting uncomfortable with AMEX putting such a large hold on my card. On a road trip, I got charges denied because I only had a $1,000 CL on my AMEX and a few such holds made it cross the limit.

Since then, I use SMMC. Regardless of retailer, it charges only the exact amount.

AMEX is "interesting".

[Anonymous]

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@Ghoshida wrote:

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@14Fiesta wrote:

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@Ghoshida wrote:

I've only faced the $99 / $100 hold issue with AMEX.

Now I exclusively use Sallie Mae to fill up. There's never any hold and the only charge showing is exactly what I incurred at the pump, as temporary transaction.

Does AMEX act differently than other cards or is something there that I'm missing?

---

Are you saying there is a $100 hold with AMEX, but if you use a different card at the same exact gas station, there isn't a hold?

If that's the case, it could be how their proccesor handles different CC networks. It may post authorize MC network cards, but only pre authorize AMEX cards.

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Possible.

I started getting uncomfortable with AMEX putting such a large hold on my card. On a road trip, I got charges denied because I only had a $1,000 CL on my AMEX and a few such holds made it cross the limit.

Since then, I use SMMC. Regardless of retailer, it charges only the exact amount.

AMEX is "interesting".

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Yeah a 1k AMEX wouldn't really be usable on a trip. Good thing I don't use my AMEX for gas lol.

[Ghoshida]

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@Anonymous wrote:

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@Ghoshida wrote:

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@14Fiesta wrote:

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@Ghoshida wrote:

I've only faced the $99 / $100 hold issue with AMEX.

Now I exclusively use Sallie Mae to fill up. There's never any hold and the only charge showing is exactly what I incurred at the pump, as temporary transaction.

Does AMEX act differently than other cards or is something there that I'm missing?

---

Are you saying there is a $100 hold with AMEX, but if you use a different card at the same exact gas station, there isn't a hold?

If that's the case, it could be how their proccesor handles different CC networks. It may post authorize MC network cards, but only pre authorize AMEX cards.

---

Possible.

I started getting uncomfortable with AMEX putting such a large hold on my card. On a road trip, I got charges denied because I only had a $1,000 CL on my AMEX and a few such holds made it cross the limit.

Since then, I use SMMC. Regardless of retailer, it charges only the exact amount.

AMEX is "interesting".

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Yeah a 1k AMEX wouldn't really be usable on a trip. Good thing I don't use my AMEX for gas lol.

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Me neither. Sallie Mae FTW. 

Maybe Freedom for the UR points when it's offered 5% (I guess next quarter). And Discover occasionally when they're 5% as well, so that they continue showing some love.

BCE is there for the big CL and the grocery spillover from SMMC.

[kevinjjc]

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@knhorn wrote:

My AMEX has always been $100 and any other card $1. I was concerned the first time I filled up on AMEX.

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Same pattern for me too. I'm in NYC if that matters.