Shopping Discussion

Delay for charges on Credit Card

  • Last Updated:
  • Jul 8th, 2015 9:26 am
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[OP]
Member
User avatar
Mar 10, 2011
349 posts
108 upvotes
Edmonton

Delay for charges on Credit Card

I made a purchase on my credit card for a few thousand dollars and the item was delivered already. My credit card hasn't been charged yet, and my available credit on my card is still full limit. The purchase was made 1 week ago. I understand that there might be a delay for the charges to appear on my credit card, but why would my full credit limit remain unchanged. In the past I have made purchases and my available credit would be decreased without the charge showing. I bank with TD and my visa is with TD as well.
4 replies
Deal Fanatic
User avatar
Jun 13, 2010
6568 posts
8331 upvotes
GTA
Call the toll free number on the back of the CC and ask TD.
Deal Expert
Mar 25, 2005
22382 posts
3257 upvotes
It's free! Wait another week and see what happens. Either the charge will appear or the merchant will be calling.
Jr. Member
Jan 28, 2015
196 posts
140 upvotes
Toronto, ON
Quickly close the account. lol
Deal Fanatic
User avatar
May 9, 2009
6675 posts
2909 upvotes
Montreal
Once a merchant had obtained a successful authorization on your card, they have at least 6 months to deposit the transaction (might be longer but I'm not sure).

Even if your account is closed or maxed out, the transaction will still be posted and you will still be responsible for paying it.

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