My transaction shows it’s “Pending”?

A purchase transaction may read as “pending” until the merchant sends the final transaction amount. In some cases, the amount of a pending purchase could be 15-20% higher because it hasn’t cleared yet. Depending on the merchant, they might hold extra to account for charges or tips. This is true for gas stations, hotels, cruises, mail orders, barbers and beauty shops, taxis and limos, and most commonly – restaurants and bars.