These are some types of transactions to be aware of:
– If you use your Card at an automated fuel dispenser (i.e., pay at the pump) it may result
in a hold on your
funds of $75.00 or more. To avoid this hold, you may go into the gas station and pay for
your purchase in advance with the cashier and specify the exact dollar amount of gas you would like to
Restaurants and Other Merchants
– Restaurants, hair salons and some other types of merchants may
obtain an authorization on the Card for an amount greater than the total service bill to cover any gratuity
that may be added. Be sure that the balance on the Card is sufficient to cover the cost of the bill plus any
anticipated gratuity. If the Card is declined, ask the merchant to obtain an authorization for an amount
equal to or less than the balance on your Card and pay the difference with another form of payment if
allowed by the merchant.
– Hotels m
ay put a hold on your Card in the amount of your estimated bill, which will make that
amount unavailable for other purchases. The hold may last from the time you check in to a few days after
you check out.
– Auto rental establishments may requ
ire you to reserve your car with a credit card. They
may allow you to use your Card for the final payment. Please check with the establishment for their
Cancellation of Authorizations
– You must cancel authorizations issued for Card tr
you subsequently use another form of payment for the transaction such as a credit card or cash. Failure to
have the authorization canceled may result in a hold on funds on the Card and limit your future
transactions. If you cancel any guaranteed reservation made using the Card, you must obtain a
cancellation number. If you fail to do so, the hold placed for the guaranteed reservation will not be
canceled and the amount will be held against the balance on the Card. This may limit your future
transactions. Further, if the merchant subsequently charges the amount of the guaranteed reservation to
your Card, we will not be obligated to re-credit the Card if you fail to obtain a cancellation number.
– Commerce Bank and Visa reserve the right to charge for International
Service Assessment fees. Please refer to your
for specific fees.
Service Assessment Fee (for single currency international transaction done in U.S. Dollars)*
International Service Fee (for multi-currency conversion)**