Credit Card Transaction Lifecycle

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Last updated: 21 August 2026

The 4 Stages

Stage | What | Time. Authorization: approval on swipe — a hold | seconds. Batching: merchant sends in batch | 1 day. Settlement: bank pays the merchant | 1–3 days. Posting: statementnt me dikhti1-3 din

Authorization vs Posting

Hold: amount pending. Posting: final ho kar statement me. Isliye billing cycle me posting date matter karti hai.

Why It Matters

Closing se pehle purchase, baad me post → agle statement me = 45 din free credit. Grace period.

Frequently Asked Questions

Q: How long to post?

A: 1-3 business days. Fuel 2-3 din (holds).

Q: What is pending transaction?

A: Authorization hold — settlement baaki hai.

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