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v. t. e. A credit card is a payment card, usually issued by a bank, allowing its users to purchase goods or services or withdraw cash on credit. Using the card thus accrues debt that has to be repaid later. [ 1] Credit cards are one of the most widely used forms of payment across the world. [ 2]
Authorization hold (also card authorization, preauthorization, or preauth) is a service offered by credit and debit card providers whereby the provider puts a hold of the amount approved by the cardholder, reducing the balance of available funds until the merchant clears the transaction (also called settlement), after the transaction is completed or aborted, or because the hold expires.
Users of the system can manage their accounts through the I-Pass web site. Normally, the system will keep a credit balance on account for users, tied to a credit card and replenished as the balance drops below a preset threshold. Alternatively, users can choose to manually replenish their accounts via the site.
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