要約
AUTH HOLD is a temporary pre-authorization reservation placed on your available balance by a merchant, not a final posted charge.
What is an AUTH HOLD charge?
An 'AUTH HOLD' (authorization hold or pre-auth) is a standard banking practice where a merchant temporarily freezes a portion of your available balance to guarantee payment before services are finalized.
This is not a settled charge; it reduces your available spending balance while remaining in a pending state until the actual receipt amount is transmitted.
When Do Authorization Holds Drop Off?
Holds are standard at gas pumps ($100–$175 holds), hotels, car rental agencies, and online order verifications ($1.00 test authorizations).
Holds typically drop off or adjust to the final bill amount within 1 to 5 business days for debit cards (up to 30 days for hotel security deposits).
- Step 1 Wait 2 to 3 business days: Most temporary authorization holds resolve automatically once the merchant closes out daily transaction batches.
- Step 2 If a hold remains pending beyond 7 business days, call your card issuer to request a manual hold expiration.
Where can I read the full technical definition of authorization holds?
Read our complete guide in the <a href='/glossary/auth-hold'>Authorization Hold Banking Glossary Entry</a>.
Pending Holds vs Final Posted Charges
You cannot file a formal chargeback on a pending hold because the funds have not yet been collected by the merchant.
If an unrecognized merchant places a pending hold, monitor your account to see if it posts or drops off.
Why was $1.00 or $100 charged temporarily?
Merchants run a $1.00 or $100 pre-authorization to verify account validity before dispensing fuel or shipping items. The hold disappears once the true total posts.
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検証ソース
- CFPB: What is a debit card authorization hold? https://www.consumerfinance.gov
- Visa: Merchant Pre-Authorization Guidelines https://usa.visa.com