再给你看一个 BANK OF AMERICAN 对这种 HOLDING 的解释

What is a pending transaction?

Many pending transactions can be viewed in Online Banking. Pending transactions refer to credits, debits and holds that have not yet posted to your account. Transactions made with your ATM or Check Card using a PIN typically are processed and posted to your account on the same day that the transaction is made or on the next business day. Transactions made with your Check Card, without your PIN, may take several business days to post to your account.

In some cases, the amount of the pending transaction may not match the actual amount of the transaction. This is common. Some merchants, including restaurants and hotels, will place an initial hold (known as an "authorization" hold) on the account for a dollar amount that could be higher or lower than the transaction. This initial hold is placed to ensure that you have enough funds in your account. This type of hold is credited back to your account by the next business day, and once the transaction has been completely processed, which may take several days, the actual amount of the transaction will be posted to your account.

所有跟帖： 

• 太感谢了，我觉得有点放心了。以前去餐馆吃饭也发生过人家多charge的事，几天后发现他们又把数目改为实际吃饭用掉的钱了。 -dafeitu- ♀ (327 bytes) () 09/16/2007 postreply 08:35:21

• 以后最好用 CASH 或 CREDIT CARD -Nobody_2006- ♂ (151 bytes) () 09/16/2007 postreply 08:41:16

• 谢谢大家的帮忙。其实平时我也是信不过网上交易的，也是用现金的。这次急着买票回国， -dafeitu- ♀ (132 bytes) () 09/16/2007 postreply 08:47:20