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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 27
Frequent 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
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
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 $10k - Amex SPG $11.8k - Aviator AA $12.1k - NFCU CashReward $25k - NFCU GoRewards $1k - Blispay $5k ((DEAD)) - Paypal Credit $7.5k - Citi Costco $5.5k - SAVOR $4.7K - Walmart Card $7.5k - Discover $5.8k - Victoria Secret $4.1k - Car Loan $8k.
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.

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 | Fifth Third Bank | BB&T | Synovus | Commerce
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
Valued 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. 

NFCU PLAT 20K NFCU CR 15K NFCU AMEX 10K PENFED PROMISE 10K PENFED GOLD 10K BBVA COMPASS 7.5K CITI SIMPLICITY 4.3K DISCOVER 2.4K AMEX BC 3K AMEX MAGNET 1K AMEX ED 1K AMEX HILTON 1K. CARECREDIT 25K AMAZON 10K WALMART 10K MACYS 25K WAYFAIR 22.5K MARVEL 4.5K AU LOWES 35K IKEA 6K
Message 9 of 28
Moderator

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