On 9/17/2019 4:38 PM, micky wrote:
OT When a merchant, such as a rentacar company, puts a hold on one's
money and doesn't end the hold for a month or more,

a) Does the merchant actually have the money, or is it only reserved for
him at your credit card company?

They do not have the money until the actual charge is made. It just
assures them they can get it when needed.

Don't really know the rest you asked.