When a credit card is presented before a purchase is made, a hold is placed onto the card until the transaction is completed. A common place to experience a fast-acting hold is at a gas station. When the credit card is presented to the gasoline dealer before the pumping action begins, they place a hold onto the account until the transaction is completed. If the amount of the purchase exceeds the available credit card limit, the credit card company will often charge the user an over-limit fee. The credit card hold can go onto an account for any period of time and is applied under multiple types of circumstances as needed.

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