If I know I did make that pending charge, I don't have to wait for it to post first before I pay. In fact, I always pay ahead and maintain a credit balance in all the cards I am using. For example, if I make a $750 charge today, I have no problem in just sending in a payment for $1,000, and let the rest sit in credit balance. It will then offset the subsequent charges. I don't want to worry about missing a due date or minimum payment. It may not be necessary, but I have one less thing to worry about.

Chase would from time to time sweep the credit balance in my accounts and mail me a check. So I don't think you need to worry about overpaying and not getting the money back.