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<p>[QUOTE=&quot;jaceravone, post: 346892, member: 9474&quot;]This same thing has happened to me lately when I have placed an order through the mint.</p><p>&nbsp;</p><p>I have tried to explain this phenomenon in another thread about mint charges.&nbsp; This happened to me with my recent purchases of FS coins and the Baldies Comm coins.&nbsp; I have spoken with a mint representative and this is what she explained to me.&nbsp; It is not unusal for the mint to place a pending charge against your account before they accually withdrawl the money.&nbsp; Once they confirm that the funds are in the account, then they cancel the pending amount and place the actually charge.&nbsp; There may be a few days period in between when the pending charges clear and the actual charges are posted. It used to drive me nuts, but I am used to it by now.&nbsp; In fact, she said that because of all the computer problems they are having with their new system, things are pending longer than usual. </p><p>&nbsp;</p><p>In fact, this happened to me a week ago.&nbsp; For one week, I saw the charges for my purchase under the pending section of my account on-line.&nbsp; So when a charge is pending, my &quot;available&quot; amount is decreased, but the &quot;current&quot; amount remains unchanged.&nbsp; Then the pending charge went away and the monies were added back into my account.&nbsp; Of course this messes up what funds you think you have available.&nbsp; Now I am just waiting for my coins to arrive and when they do I expect the total amount to be charged and debted from the account.&nbsp; The total funds seem to be debted around the time the coins are delivered - give or take a day or two.</p><p>&nbsp;</p><p>I&#039;m getting in way over my head explaining this, but for me this banking phenomenom is not unual and I believe JUSTFORTHIS06 is experiencing this as well.</p><p>&nbsp;</p><p>In the past I wouldn&#039;t have &quot;earmarked&quot; the money until it was actually withdrawn, but now I agree with Becky that as soon as I place the charge I debt the money out of my account so I don&#039;t have to worry about it later or in this case, I wait until I see the charges go into my pending file.&nbsp; </p><p>&nbsp;</p><p>I hope this makes sense.&nbsp; I am just explaining what happens at my bank and I understand that every bank may be different.[/QUOTE]</p><p><br /></p>

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