What are temporary authorizations and what types of merchants generally use them?

A temporary authorization occurs when a merchant tests to confirm that your credit card account is valid and/or has sufficient Available Credit. Gas stations, restaurants, hotels, car rental agencies, and airlines commonly use temporary authorizations because the card information is often provided before the final transaction amount is known. Please note that this list is not all-inclusive; temporary authorizations are a common merchant practice. Examples include $1.00 for gasoline "Pay at the Pump" purchases and hotel reservation amounts.

How does a temporary authorization affect my account balance and credit line?

Temporary authorizations are deducted from your available credit only; they are not included in the account balance. The charge will be included in your account balance when the actual transaction amount is determined and posted to your account.

How long will temporary authorizations remain on my account?

Temporary authorizations can remain on your account for up to 10 days. In the event of an error, only the merchant can remove the authorization.

When I use my credit card outside of the United States, will I be charged any foreign transaction fees?

Foreign Transaction Fee is generally assessed when you use your Card or Account (other than through a Cash Advance) for a transaction with a business or entity located outside of the United States or for a transaction in a currency other than U.S. dollars. Please see your Cardmember Agreement for more information.

Will I be charged a fee if I use my credit card to withdraw cash from an ATM or a bank?

Yes. Please see your Cardmember Agreement for information on cash advance fees.

How do I avoid being charged a penalty APR?

The penalty APR may be applied to your account if you do any of the following with us: 

- Make a late payment.

- Go over your credit limit.

- Make a payment that is returned.

How do I increase or decrease my credit limit?

If you need to change your current credit limit, please call Customer Service at the number on the back of your card. If your card is not available, please call 1-866-205-5978.

I have a question about a merchant transaction on my statement.

In an effort to resolve your question in the most efficient manner, we ask that you first attempt to contact the merchant for assistance. If you were unsuccessful in that attempt and still need assistance, please contact us at 1-866-951-1434 Monday through Friday between the hours of 8 am and 8 pm ET and on Saturdays between the hours of 9 am and 5 pm ET so that we can explain the process to dispute the transaction.