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Amex "Pending Charges" Shows $10 Less?

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tpatterson2k9
Regular Contributor

Amex "Pending Charges" Shows $10 Less?

Has anyone else noticed that if you look at the pending charges on your online Amex account, the amount shown tends to be $10 less than what is actually billed?  I have had this has happen to me twice now within a two month period, and both times it was because of restaurant bills where I added the tip to the CC charge.  I found this out because each time I tried to PIF on my Amex (including pending charges), my payment was $10 less than the balance due each time.  Has anyone else had any experience with this?  Should I just start paying $10 extra with each payment I make to my Amex card (it's the Blue Cash Everyday card)?


Starting Scores (lender pull 3/27/10): 759 (EQ), 752 (TU), 749 (EX)
Current Scores (myFICO 4/4/11): 768 (EQ)
Goal Scores: 800


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3 REPLIES 3
daylove
Regular Contributor

Re: Amex "Pending Charges" Shows $10 Less?

It is common that retailers, especially restaurants authorized the card for the pre-tip amount

Message 2 of 4
pizzadude
Credit Mentor

Re: Amex "Pending Charges" Shows $10 Less?

Also, this is not an AMEX phenoneom, it happens with any CC. Visa, MC, AMEX, Discover, etc.....
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 3 of 4
clocktick
Valued Contributor

Re: Amex "Pending Charges" Shows $10 Less?

Yes, I write 'CASH' on the tip line and pay the tip, well, in cash.  That way there's no delay, the server gets paid immediately in cash, and I know exactly what the bill was and should be on my cc statement.

 

*This only works if you carry cash Smiley Wink (which I rarely do!). 

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


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