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Amex has pending gas charge beyond what was used?

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Anonymous
Not applicable

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!
Message 1 of 28
27 REPLIES 27
Anonymous
Not applicable

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

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. 

Message 2 of 28
NRB525
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
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 3 of 28
Anonymous
Not applicable

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

Message 4 of 28
Anonymous
Not applicable

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
CreditCuriosity
Moderator Emeritus

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

Message 6 of 28
fltireguy
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
Anonymous
Not applicable

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

This is my first over a $1 in a long time. Surprised me completely.
Message 8 of 28
Jnbmom
Credit Mentor

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. 

EXP 780 EQ 791TU 795
Message 9 of 28
K-in-Boston
Credit Mentor

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
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