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My Credit Card was Declined, but it still got Charged?

If the transaction has been denied, your credit card or debit card will not be debited, however your bank (not our bank or our credit card processor) may have set funds aside during the authorization request. Banks will release an authorization between 3 and 30 business days or upon debit of your credit card or debit card.

Banks set their own policies and has no control over how long your bank may hold your funds.This apparently happens more often with ATM / Debit Cards. The funds are then released again after a few days, when the bank realises that actually no charge was placed although it was denied.

Our apologies for this inconvenience but absolutely nothing we can do to prevent it. Consumers who feel their funds are being held too long should contact the bank that issued their card. The phone number is generally located on the back of the card.

See Also:My Card is declined. Do you know why?