[quote name='TheOne06']I forget what the exact term is, but some companies will place a "hold" if you will on your card. Basically, lets say you want to order something for 60.XX dollars, Some companies will basically put out a fake charge to make sure that you have the funds in the account, but never complete the charge, then they'll make the actual charge once their sure that you have enough funds to cover on your CC/DC. Which sucks on a DC especially if you only have soo much money in the account[/quote]
When you make a credit card purchase, the merchant puts an authorization for funds hold on your card, be it a credit card or a debit card. This is to make sure that you have enough funds to make the purchase and that they have the funds available for the transaction when it's completed, which normally takes 2-3 days to accomplish.
It's not a fake charge, there is no such thing. This is how the process works for credit card transactions as well as debit card transactions. If they do multiple charges on your account for the same transaction, there will be mutlple authorizations on the card for the amount of purchase, though only one of them will go through and debit the funds from your account. So, if they do two $60 authorizations on your card for a single purchase by mistake, you temporarily have $120 unavailable for use, though you'll only be debited $60 when one transaction goes through and the other authorization falls off.
The merchant can call the bank and have the authorization removed, though only the merchant can do it, not the account holder.