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Amex has pending gas charge beyond what was used?

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Regular Contributor

Amex has pending gas charge beyond what was used?

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 Beginning 12/2017
Message 1 of 28
27 REPLIES
Contributor

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

No need to dispute


@Amiblue 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. 

Message 2 of 28
Super Contributor

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

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. 

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812

Delta Reserve and CSP Jan 2018, no more 5/24 worries... unless new Chase Marriott/SPG replacement is enticing...meh, turns out not.
Message 3 of 28
Frequent Contributor

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

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


Amex Platinum NSPL, Amex Everyday $12.3k - Aviator AA $6k - Barclay Rewards $2.5k - NFCU cashReward $25k - NFCU GoRewards $1k - Blispay $5k - Paypal Credit $6k - Citi Costco $5.5k - SAVOR $4.7K - Walmart Card $6k - Victoria Secret $3.1k - Discover $2.4k - Car Loan $10k - Student Loan $2k.
Message 4 of 28
Senior Contributor

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

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

 

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

Citi DC $7900- AMEX BCP $9000- NFCU Platinum $10000 PenFed Power $11000- Chase FU $11700- DCU Platinum $15000- State Farm GN $15000- AMEX EDP $15000- NFCU CLOC $15000- Chase CSP $18900- Care Credit $20000- Discover Miles $21000- Penfed Promise $25000- NFCU Go Rewards $27100- Venture $28750 **As of 5/27/18** EX- 737(12) TU- 753(11) EQ- 730(14) UTI 17%- Clean Files- No AU Accounts.
Message 5 of 28
Moderator

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

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

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | Barclay's | US Bank | Fifth Third Bank | FNBO
Message 6 of 28
Valued Contributor

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

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

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 7 of 28
Regular Contributor

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

This is my first over a $1 in a long time. Surprised me completely.
The Beginning 12/2017
Message 8 of 28
Established Contributor

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

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

Penfed gold 10k Penfed Promise 10K Home depot 7K Wayfair 8500 Macys 5K Amazon prime 6000 Walmart 6000 Citi simplicty 2800 NFCU rewards 2500 Discover 1500 AMEX 1000 AMEX hilton 1000
FICO 8 TU 724 EXP 724 EQ?
Message 9 of 28
Community Leader
Senior Contributor

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

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.

Message 10 of 28