Can I request a pre-authorization hold to be released sooner?

Yes. Consumers can contact the merchant to request an early release of funds, though final processing depends on the issuing bank.

Why does my card show a higher charge than my actual purchase?

Some businesses apply a higher hold amount to account for potential additional charges (e.g., hotel incidentals, fuel stations). The final amount is adjusted upon settlement.

Do all banks handle pre-authorizations the same way?

No. Banks have different hold policies, with some releasing holds automatically within a set timeframe and others requiring merchant action.

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