Pending transactions are authorized or submitted transactions that have not posted on your account.  When you make a transaction it will first become pending before it is posted on your account.A transaction (purchase or payment) to your credit card is pending during overnight or weekend processing. Transactions can also appear as pending until it is completed by the merchant, which can take up to five days.Sometimes merchants apply a ‘holding’ transaction called a ‘pre-authorization’ – this is common with gas stations or hotels, when you receive the goods or services before the final payment is requested. The pending transaction should disappear once the final transaction is processed, or after five days.Pending transactions effect your available credit immediately, and once the processing is complete the transaction will show on your account and your current balance will reflect this.You are not charged interest on purchases until the processing is complete and no longer pending.