Originally Posted by
magiciansampras
How would one tell by looking at one's statement online? And what is the different from the customer's perspective?
Charge or authorized in practical terms are a distinction without a difference when it comes to one's ability to spend. I am with JP Morgan Chase. As soon as a transaction is authorized it appears at 'pending' in the account, which decreases your available balance by the 'pending' amount.
Originally Posted by
kevinsac
You deal with computer (or even two different computer systems) and poop happens.
Title to this thread is a little over-blown. 
+1