Why do I see charges on my bank account even though my card was declined?

If your card has been declined, you might still see a charge listed as a "pending transaction" on your online banking. Pending transactions include purchases, payments, pre-authorizations, and other transactions that haven't yet been finalized. While the amount may appear deducted from your available credit, it won’t reflect in your actual balance. It can take 2-5 business days for these pending transactions to disappear, depending on your card provider.