Authorization holds on Apple Card

[BF1M]

I've had one on my card for almost a month now. Never have I see one take longer than 14 days to clear. Does anyone else have this experience? It's only a dollar but it's annoying.

 

[Beelzbub]

Maybe contact the company that put the hold on your card. Maybe something messed up on their end. Would be worth contacting customer service to find out.

 

[BF1M]

I did. It’s Hulu and they of course told me to contact the bank...Guess what Apple told me?

It’s not a big deal and I love the Apple Card for the most part; just annoying.

 

[rugmankc]

I had one like that a couple months. But, it was a double charge. Just stayed pending and probably still is.

Annoying for OCD folks like me. But, not an issue.

 

[BF1M]

I had one like that a couple months. But, it was a double charge. Just stayed pending and probably still is.

Annoying for OCD folks like me. But, not an issue.

Would you care to check? I’m just curious if the timeframe.

 

[rugmankc]

I don't remember retailer or month. But, didn't see any back to back sales. Assuming they stayed that way.

Never gave it another thought as I wasn't charged twice.

 

[BF1M]

How does someone as smart as Doug (yes I met him) dies of Alzheimer's diesase?

I don't remember retailer or month. But, didn't see any back to back sales. Assuming they stayed that way.

Never gave it another thought as I wasn't charged twice.

Any authorizations would hold up your spending limit. It’s only a dollar we are talking about but gas pumps etc can go up to 50 so if this is a common issue with the card that’s something to consider.

Thanks.

 

[rugmankc]

Mine were actual retail chargers. May not have made that clear. My gas authorizations are always gone within minutes.

They never linger.

It only happened twice in a two week period, on the retail charges, and never again.

I run up to 90 charges a month on the AC.

Other than my AC not working within the bpMe gas app, I am very happy with AC. Especially the ease of payment within the app.

 

[BF1M]

Ah gotcha, makes more sense. This is that little $1.00 charge Hulu makes to make sure your card is good in advance of a payment. It’s been on there a month come tomorrow. Like I said it’s a dollar but man, it bothers me!

 

[compwiz1202]

I had one like that a couple months. But, it was a double charge. Just stayed pending and probably still is.

Annoying for OCD folks like me. But, not an issue.

But that's the issue. Any other bank would clear that crap within a business week or two once they got no receipt to back up the charge.

 

[BF1M]

OK so I talked to Goldman Sachs again through Business chat and we got to an answer....sort of.

Long story short the hold is no longer on there, my metrics just say it is. To confirm this I went through every single transaction since I opened the card with my trusty TI-84 Plus CE. To my surprise all the categories are off....way off sometimes. The balances however for the card are correct.

So for example it may say that I spend X in entertainment for a given week or month when in reality I've spent more than that. Why? It turns out more than just this authorization hold are listed on my iPhone as pending when in reality they aren't. The same goes for payments. I have payments made a month ago that are listed as pending when in reality they aren't. The balances confirm that.

So basically it's an error in how the card information and transactions are categorized and displayed. Which effectively means that if I didn't keep my own checkbook\ledger I never would have known and it also means that the breakdowns, as of right now, can't be trusted. One thing I noticed is that every payment that is listed as pending(when in reality it's not) is missing from the total of payments made that week\month by a factor of exactly two.

So transactions totals and status incorrect. Balances correct in pretty much real time.....yea...

I would ask anyone here with an Apple Card to check and see for themselves how many of their payments and transactions, for weeks\months ago, are still showing as pending on the iPhone.