Pending transaction disappeared

yangbumm

I’ve made a fairly large purchase using a credit card for a TV. I made the purchase on a Thursday and they said delivery would be the following Thursday. So the charge was showing as pending for 3 days, then the charge disappeared but my available balance was still lower (taking the amount into consideration). I had the TV delivered on the Thursday and then on the Friday there was no sign of the charge still and my available balance went back to up 100%. How long does the merchant have to take the funds and should I contact them to ask what’s going on? 

Archerychick

Personally I would leave it for the time being, whether that’s moral or not is another question, but that’s what I would do. 

born_again

They have 6 months under card regs. After that you could dispute. But legally they have 6 years to claim funds.

TBH, it would be pointless contacting them, as the front line staff will have no idea, so just blame your bank. 🤷‍♀️

prettyandfluffy

It sometimes happens.  Leave it and the transaction will probably go through.

retiredbanker1

I agree with ptettyandfluffy it will probably go through as a confirmed transaction in the next few days.

Although they may only have 6 months to debit your card with the transaction they have up to 6 years to chase you legally for the payment.

Robbie64

I had this happen a few years ago. The payment was taken about a week after the pending transaction had cleared from my account and my available balance had gone back up.

[Deleted User]

So I’ve actually had a pending transaction go missing and not return for over three weeks now. It’s a foreign currency payment on my Amex and as it’s a hotel charge, it’s quite a significant sum. 

What do I do? Who do I contact? Do I just wait?

eskbanker

[Deleted User] said:

So I’ve actually had a pending transaction go missing and not return for over three weeks now. It’s a foreign currency payment on my Amex and as it’s a hotel charge, it’s quite a significant sum. 

What do I do? Who do I contact? Do I just wait?

Nothing, nobody, yes, respectively....

DullGreyGuy

[Deleted User] said:

So I’ve actually had a pending transaction go missing and not return for over three weeks now. It’s a foreign currency payment on my Amex and as it’s a hotel charge, it’s quite a significant sum. 

What do I do? Who do I contact? Do I just wait?

Just wait and make sure you leave enough headroom for the transaction to go through. 

Fingerbobs

I agree with others - just wait and do nothing. 

I once paid for a hotel stay in Japan at the front desk as I was checking out, and that transaction took 9 months to appear on my card. 

born_again

[Deleted User] said:

So I’ve actually had a pending transaction go missing and not return for over three weeks now. It’s a foreign currency payment on my Amex and as it’s a hotel charge, it’s quite a significant sum. 

What do I do? Who do I contact? Do I just wait?

If this for a stay in the future, or for one you have just stayed at?