Ok this definitely qualifies as a First-World "problem" 
...
But what is the deal with pending charges sitting on a card for so long? I have several transactions that have been sitting on my US Bank card for 9-10 days and have yet to post. And they are not 'funky' or unusual transactions like holding a car rental or hotel room. Just normal transactions (movie theater, Wal-Mart, CVS). Why do these transactions take so long to clear?
In the grand scheme of things, this is pretty small potatoes. But it can be frustrating when you are, for instance, applying for a mortgage or other loan and want your balance to report at $0.
Is there anyway to solve this? (other than not using the card for two weeks prior to the statement being cut). Is this a bank issue, a merchant issue, or a network (Visa/MC/AMEX/etc) issue?
@Dw4250 wrote:Ok this definitely qualifies as a First-World "problem"
But what is the deal with pending charges sitting on a card for so long? I have several transactions that have been sitting on my US Bank card for 9-10 days and have yet to post. And they are not 'funky' or unusual transactions like holding a car rental or hotel room. Just normal transactions (movie theater, Wal-Mart, CVS). Why do these transactions take so long to clear?
In the grand scheme of things, this is pretty small potatoes. But it can be frustrating when you are, for instance, applying for a mortgage or other loan and want your balance to report at $0.
Is there anyway to solve this? (other than not using the card for two weeks prior to the statement being cut). Is this a bank issue, a merchant issue, or a network (Visa/MC/AMEX/etc) issue?
Not really a solution, but a way to avoid having a balance to report is to push a payment to the account for whatever amount is still outstanding. While you normally cannot over pay a card if you send them a payment it should give you a negative balance so when the transactions do post they will bring it to $0.
@Anonymous wrote:
@Dw4250 wrote:Ok this definitely qualifies as a First-World "problem"
But what is the deal with pending charges sitting on a card for so long? I have several transactions that have been sitting on my US Bank card for 9-10 days and have yet to post. And they are not 'funky' or unusual transactions like holding a car rental or hotel room. Just normal transactions (movie theater, Wal-Mart, CVS). Why do these transactions take so long to clear?
In the grand scheme of things, this is pretty small potatoes. But it can be frustrating when you are, for instance, applying for a mortgage or other loan and want your balance to report at $0.
Is there anyway to solve this? (other than not using the card for two weeks prior to the statement being cut). Is this a bank issue, a merchant issue, or a network (Visa/MC/AMEX/etc) issue?
Not really a solution, but a way to avoid having a balance to report is to push a payment to the account for whatever amount is still outstanding. While you normally cannot over pay a card if you send them a payment it should give you a negative balance so when the transactions do post they will bring it to $0.
This exactly OP. Eventually, once transactions settle/post, this would net the balance to 0 (provided no other transactions are pending or in-flight). I have 3 US Bank cards, yet IME, I haven't seen any transactions that stay in pending for more than 3-4 days (mainly on the FlexPerks AMEX).