Calculator
Pending charge release calculator
Gas stations, hotels, rental car companies, and rideshares place temporary authorization holds on your card. Most release within a few days — but not always. Enter the details to estimate when this hold should clear.
Most holds clear on their own. This calculator tells you when to stop waiting.
How authorization holds work
When you swipe your card, a merchant places a pre-authorization hold for an estimated amount — not the final charge. Gas stations often pre-auth $100–$175. Hotels pre-auth an incidental deposit. The final charge posts later and the hold releases automatically.
If the estimated window has passed, the merchant may have failed to close the transaction. Call your bank's card services line, reference the authorization date, and ask them to release the hold manually.
If the hold has posted as a permanent charge and you didn't authorize it, that's a different situation.
Hold posted as a real charge?
Generate a bank-specific dispute letter in under 2 minutes.