I just got gas in north Wildwood and was charged $100.00 for 18.00 and not one manager or employee knew what to

It’s not unusual for a hold/pending charge to be placed to confirm the card is good before use in a self service situation.

If so, that charge will drop off and the actual amount charged will be in the final bill.

Apple Pay is just the "wallet" that holds your credit card(s)

Dispute the charge with your credit card issuing bank as you would any other transaction with the card.

Gas stations and motels are known to place a hold on your card to make sure there is enough to cover the purchase. They have that somewhere in their fine print. That is wiped out as soon as your payment is processed. So, it is a merchant thing and nothing to do with Apple or your card.

Interesting - never heard of a limit for a credit card (well, I have one, but it is in the high five numbers).

And here is some info on CC holds:

https://www.creditcards.com/credit-card-news/need-know-credit-debit-card-holds.php

excerpt:

At the pump, holds can run the gamut from “$50 to $125 depending on the store,” says Lenard.

In NJ, that's routinely $1.00. There is no reason to put a $100 pending charge simply to confirm that the card is valid.

We are all other users here so we cannot help with this; at this point, from what you posted, it is not clear if the problem is with your payment choice or the gas station. so, you need to question the gas station manager/owner.

Interesting - never heard of a limit for a credit card (well, I have one, but it is in the high five numbers).

EVERY credit card has a limit. When I was traveling on business, I had a limit of $60,000 and came close a few times.

I wouldn't know about that since I have never borrowed or financed anything. Ever. I have also never gotten close to the limit. That is most likely why I did not understand your first comment - I thought you were maybe referring to a debit card.

Philly_Phan wrote:

You already did.

Indeed - seems to unintentionally done so

babowa said:

I wouldn't know about that since I have never borrowed or financed anything. Ever. I have also never gotten close to the limit.

Regarding the latter... HAVING a credit card and USING it - IS borrowing from the issuing bank

OR

IF American Express (or other "Charge Card") where balance is paid off monthly, she must be independently wealthy

Regarding the former... - paying cash in full for cars, homes & all other "big ticket" items - One must conclude that this immense wealth is inherited, as there is no way that one could EARN enough wealth without taking a loan to fund the business involved in earning the wealth

Regarding the latter... HAVING a credit card and USING it - IS borrowing from the issuing bank.

That is exactly my point. If you buy a candy bar for $2.00 and charge it, you've just borrowed $2.00 from the bank.

IF American Express (or other "Charge Card") where balance is paid off monthly, she must be independently wealthy

There we disagree. I don't have any loans where I pay interest. To me, a credit card is merely a convenient way to avoid carrying cash in my wallet. If I want to purchase something and there is concern that I won't be able to pay the statement in full, I just don't buy it.

If I'm offered a 4-year loan to buy a car, I save the appropriate sum each month and buy a newer and nicer version four years later. If I can afford four years of $200/month payments, I can also afford to save $200/month. On the flip side, if I can't afford to save $200/month, how in the world can I make payments of $200/month?

This is not a matter of being wealthy. It's a matter of living within my means.

Hmmm...

If you don't pay interest, it is not a loan, it is a "gift" 😁

That said, you have illustrated how a savings plan can buy a car.

Howzabout a house? Squirreling away for quite some time if one does not get paid a hefty sum for one's time and effort (sports superstar, are you?) 😉

If you don't pay interest, it is not a loan, it is a "gift" 😁

Up until the deadline for payment, it's an interest-free loan but it's still a loan.

That said, you have illustrated how a savings plan can buy a car.

Yes. I took out a loan for a car ONCE in my life (my first new car) and, when I calculated the "lost" money (the interest), I vowed that I'd never do it again.

Howzabout a house? Squirreling away for quite some time if one does not get paid a hefty sum for one's time and effort (sports superstar, are you?) 😉

A house is a different situation. Unlike a car or an iPhone or a candy-bar or anything else that individuals buy with credit cards, a house appreciates in value. When we bought our house, we wouldn't consider anything that we couldn't pay off in twenty years or less with the same monthly payment that we were spending for rent.

Gotcha

In any event, we didn't begin our conversation talking about you & yours - or me & mine

I will refresh our collective memories

babowa said:

I wouldn't know about that since I have never borrowed or financed anything. Ever. I have also never gotten close to the limit.

😁😎