UnknownCharges

Card Network & Electronic Payment Rail

AUTH HOLD (Authorization Hold / Pre-Authorization)

AUTH HOLD
08/05 AUTH HOLD CHEVRON 049281 $100.00 $45.20

要約

AUTH HOLD (Authorization Hold / Pre-Authorization). AUTH HOLD represents a temporary reservation placed on your available balance by a merchant to guarantee payment before the final total is settled.

重要：このコードが意味しないもの

An AUTH HOLD is not a permanent charge or double-billing. Funds are not paid to the merchant during a hold; your 'available balance' is reduced while your 'account balance' remains unchanged until the transaction formally posts.

AUTH HOLD の詳細解説

An authorization hold (also labeled PRE-AUTH, PENDING AUTH, or TEMP HOLD) occurs when a merchant contacts your card issuer to verify that your account is active and has sufficient funds before goods or services are delivered.

Commonly used by automated fuel dispensers (gas pumps holding $100–$175), hotels (holding room rate plus security deposits), car rental companies, and restaurants (holding estimated meal totals before tips are added).

Under Visa and Mastercard rules, authorization holds must drop off or settle into the final actual charge amount within 1 to 7 business days (up to 30 days for hotel/car rental holds).

実際の加盟店を特定する方法

  1. ステップ 1 Check the merchant name in your pending transaction list (e.g., 'AUTH HOLD HERTZ CAR RENTAL').
  2. ステップ 2 Identify whether the hold amount is an estimated round figure (like $1.00, $50.00, $100.00, or $175.00) indicative of a gas pump pre-authorization or hotel deposit.
  3. ステップ 3 Wait 2 to 3 business days for the transaction to post at the final actual receipt amount before disputing.

代表的な明細表記パターン

  • AUTH HOLD CHEVRON 049281 $100.00
  • PENDING AUTH MARRIOTT HOTELS $250.00
  • PRE-AUTH ENTERPRISE RENT-A-CAR
  • AUTH HOLD UBER *PENDING $1.00

検証ソース