What if a gas station, rental car company, or hotel overcharged me?

Some merchants may place a monetary hold (pre-authorization) on your account for an excessive amount because they may not know the final amount of the sale (i.e., the amount of gas you actually pump). Since these transactions don't post to your account immediately, when you pay for gas at the pump up to $100 will be placed on hold in your account and for renting a car or staying at a hotel an additional 20% will be placed on hold in your account.  This is a way of reserving those funds in your account for the debit card purchase. Most holds are removed automatically when the actual transaction posts to your account – usually within one or three days depending on the merchant.  In the event a hold is not removed automatically when the transaction posts, it will automatically drop off 7 days from the time of the original transaction, except rental cars and hotels that will automatically drop off after 30 days.

Typically, gas stations, hotels, and rental car/truck companies may obtain multiple pre-authorizations on your account for a single transaction, resulting in varied holds against the available balance in your account. If you do use your MoneyLion Debit Mastercard® for these kinds of transactions, understand that you are risking temporarily locking up some of your funds.


MoneyLion is a financial technology company, not a bank. RoarMoney℠ demand deposit account provided by, and MoneyLion Debit Mastercard issued by, MetaBank®, National Association, Member FDIC.  RoarMoney is a service mark of MoneyLion. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account.

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