How long do companies have to charge your credit card?

Generally speaking it’s 30 days. After that it becomes complicated. If merchants reauthorize after 30 day they could be safe. It depends on the specifics of the transaction scenario.

How long does it take for a charge to show up on your debit card?

Often, a debit card purchase is posted within 24 hours instead of days, as may be the case with a paper check. That means there would be little time to make a deposit to cover a purchase, if necessary.

How long does it take a credit card payment to post?

While electronic payments are faster, they’re not instant. It can take 1 to 3 business days for an online or phone payment to post to your credit card account and reflect in your available credit. That’s because payments made using a checking account and routing number are processed in batches overnight and not in real time.

How long does merchant have to charge my credit card?

“I contacted American Express who said that they will leave charge in pending status for eight days and if nothing is confirmed by merchant it will drop off,” Hook said. “They also said that the merchant, according to Federal regulations, does have one year to confirm charge even if it drops off.”

How long does it take for a credit card refund to show up?

Q: I’m curious about why refunds for charges made on a credit card generally don’t show up on your statement for seven to 10 “business days,” while the original charge shows up immediately when the charge is made, no matter what day of the week it is. In both cases, the vendor processes the transactions electronically on the same terminal.

How long does it take for a charge to go from pending to authorized?

“The charge moves from pending to authorized fairly quickly but could take a bit of time depending upon complexities of the transaction which could include an overseas merchant,” he said. How long something stays in pending status varies by card processor.