When you make a purchase with a credit card, our merchant first checks if you have sufficient funds in your account. If you do, the funds are put in a "pending" state until your billing address is verified. If there are any issues with your billing address, the transaction may be declined. However, the funds may remain in the pending state for 1-2 business days. Rest assured, this is not a permanent charge, and we do not have access to these funds at any point.