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Joined Oct 2010
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Pending charges can be authorizations for the charge by the CC company but the final amount has not been known\authorized or the bank has not processed the charge yet. The former can happen if the final amount is not known (such as a hotel stay or car rental). Once the charge is processed by the bank, the pending charge should go away. I believe they will also go away after so many days automatically if no further action is taken by the bank\merchant.

As to why your charges are not could be they are not processed fully yet by the bank. Or it could be that the split transactions got screwed up by the merchant somehow and are lost in IT hell. As to what to do about it, normally I would say just let it be as they will eventually catch up with it in all likelihood and it is not your problem if they take a month or two to charge you (or fail to charge you at all lol). If you are worried about Amex offers expiring before that happens, I suppose you could call Amex and log a report of the transaction so that you can claim the offer if something does not show up for awhile but your Amex offer email pretty much does that already. Also, if you read their offer legal-eze, they sort of absolve themselves of this sort of issue and leave the responsibility to you and\or the merchant (and you really can not blame them for that as a merchant's processing issues\book keeping really are not their problem). So you may simple be SOL or just have to wait and see what happens. You could call the vendor, but in all likelihood that is going to do little or make even more of a mess of it as you might end up being double charged as the same inept people dealing with the charging may not be talking to the people trying to fix it and you end up getting over charged instead.

My 2 cents.
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Last edited by YanksIn2009 December 3, 2015 at 02:16 AM.