Transaction holds are a normal part of how merchants process payments. We know they can sometimes be unexpected, but by learning more about how authorization holds work, you can reduce their impact and stay in control of your available balance.
Here are some ways to help minimize holds:
Pay inside for gas when you can.
When you pay at the pump, gas stations often place a temporary hold that can be much higher than your actual purchase. Paying inside typically results in a smaller or no hold.
Use a credit card for hotels or car rentals.
These businesses often place large holds that can tie up money in your checking account. If you have a credit card, using it for these types of purchases can help keep your checking funds available.
Be mindful of tipping holds at restaurants.
Restaurants may place a hold that’s more than your bill to cover the tip. This amount usually adjusts once the final transaction clears.
Check the merchant’s hold policy.
Some hotels and rental services share how long they expect holds to last. This information is often in their terms and conditions or payment FAQs.
Track pending holds in your Chime app.
Keep an eye on your balance and see when a hold is expected to drop off—visit Where can I check the status of a pending transaction?