This is usually a purchase or payment that's due to be applied but hasn't been processed yet. This can take hours or days depending on the type of transaction. Sometimes, it's because a company has reserved an amount on your credit card while you're using their services or as a security check to make sure your card is genuine. Examples include hotels, car hire companies, and petrol stations. The ‘amount you can use’ and the 'amount you owe' reflect pending transactions too, so you don't go over your limit.
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