1 / 4認得Recognize看到這個英文，我知道它大概是什麼。I see it, and I know roughly what it is.
Pending
PEN-ding
還沒入帳
처리 중
Where you'll see it你會在哪裡看到
- 銀行 App 的交易明細
- 信用卡 App
- Zelle、Venmo 的轉帳紀錄
- 退款通知
What it actually means白話說
這筆交易已經被記下來，但還沒完成入帳。Pending 的金額通常已經先從可用餘額裡扣掉；等它變成 Posted 才算正式完成，金額偶爾會跟 pending 的時候不太一樣。
Common mistake常見的誤會
Pending 不是交易失敗，也不代表被多扣一次。它只是還在路上；正式的金額以變成 Posted 之後為準。
Often right next to it旁邊常出現的字
- Posted已入帳 처리 완료
- Hold暫時圈住的金額 보류 금액
- Available balance可用餘額 사용 가능 잔액
- Processing處理中 처리 중
2 / 4聽懂Understand對方講一整句，我抓得到關鍵字。They say a whole sentence. I catch the keyword.
You may hear你可能會聽到
Agent
“That charge is still pending, so it hasn't posted yet.”
那一筆還在處理中，所以還沒正式入帳。
Listen for these words整句聽不懂沒關係，抓這幾個字
- still pending還在處理中
- hasn't posted還沒入帳
3 / 4開口Say不用講得完美，我有一句最簡單的可以說。It doesn't have to be perfect. I have one simple line.
You can say你可以說
Why is it still pending?
為什麼還在處理中？
When will it post?
什麼時候會入帳？
Was I charged twice?
我是不是被扣了兩次？
4 / 4實戰Survive真的遇到了，我知道現在發生什麼。When it really happens, I know what's going on.
Quick check實戰一下
你在銀行 App 看到同一家店有兩筆扣款，打電話問客服。
Agent 說：Agent says:
“One of them is a pending hold. It'll drop off.”