Robert
Irvine,#2
Sat, August 29, 2009
The only reason it is in "Pending" is because you attempted to spend the money. It just didn't pop in there for the heck of it. Since you spent it that money is UNAVAILABLE to use. The bank is right. I am not going to go into it here because it probably will go right over your head, but it can depend on several factors not having to do with the bank as to when the final amount gets submitted by the merchant.
By the way if you go to any other bank they will do the same thing. This is why you must keep a register. When you make a purchase write it down and don't spend more than you have available. This way it does not matter if it stays in "pending" for 1 hour or 1 month. You know you have spent the money.