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If a purchase or payment is pending, it is usually due to be applied to your account, but hasn't been fully processed by the retailer.
If a transaction is pending, we are not able to raise a dispute with the retailer on your behalf. As soon as the transaction clears into your account, you can raise a dispute claim.
Businesses such as hotels, car hires and petrol stations can hold an amount on your card while you use their services. This can also be done as a security check to ensure your card is genuine. This will show as a pending transaction.
The ‘amount you can use’ and the 'amount you owe' include any pending transactions. This can help ensure you don't go over your agreed credit limit.
If the retailer does not fully process the purchase or payment, the amount will be released to your account. This usually takes around 7 days, although it can take up to 28 days in some rare cases. Getting in touch with the retailer is usually the quickest way to resolve any issues.
If the transaction has cleared into your account and you are unable to contact the retailer, or unhappy with the outcome, please let us know by completing our online form.