Кошелка, если бы вас не было - вас нужно было бы придумать.Вот ссылка на финансовый (ваш иностранный сайт)What It IsIf you've ever had your debit card declined, or were told that you were over your credit card limit when you know for certain that there was money in your bank account or available credit on your card, you probably had a block placed on your account. Many hotels, restaurants, gas stations, and car rental companies routinely block credit cards in advance to cover a customer's estimated charges. The credit card company blocks that amount even though no charges have been applied to the card. The transaction will be pending, but not yet posted. Hotels and other businesses place blocks on credit cards as a way to make certain that they are paid for services and/or merchandise purchased. Most times it won't be a problem unless you have a low balance in your bank account or are near your credit card limit.How It WorksPerhaps you are planning to stay at a hotel for several nights. When you check in, the hotel clerk will estimate the charges for the length of your stay. That amount then will be blocked on your card. Once an amount has been blocked it cannot be used to make other charges. What frequently happens is that a merchant may block out a certain amount, and then you end up spending less. But until the block is cleared (which sometimes can take several days) your available bank or credit balance will appear lower than it really is. Most times consumers are never even aware that a block has been placed on their cards because the blocks are gone by the time the credit card bill comes in the mail. When you purchase less than the amount of the hold placed on your card, the difference usually is released from your credit line within a day or two.