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Pending transaction disappeared

yangbumm
Posts: 3 Newbie
in Credit cards
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?
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Comments
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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.0
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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. 🤷♀️Life in the slow lane0 -
It sometimes happens. Leave it and the transaction will probably go through.1
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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.0 -
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.
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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?0
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[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?1
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[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?0
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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.0 -
[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?Life in the slow lane0
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