In banking available account limits (e.g. credit card industry) are often reduced through pending transactions that have been authorized but not yet

Pending Charges:
The pending charges line of your Account Details page shows the charges that have been authorized but not yet posted to your account. Actual charges are the amounts of purchases that have posted to your account. To understand the difference between pending charges and actual charges, it's helpful to review the charge process. When you present a credit card to a merchant for payment, the first thing that happens is that the merchant requests authorization for the amount of the purchase. This occurs when your card is swiped. In most cases, the merchant knows the exact amount of the purchase and requests authorization in that amount. For example, if you go to the market and buy $82.75 worth of groceries, the market would ask for authorization to charge that amount to your card. Until the charge posts to your account, this amount would show in the pending charges line of your Account Details.

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Note added at 3 hrs (2015-09-01 09:52:57 GMT)
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@Krihem:
Well, regarding credit card transactions it depends on the arrangements with the card issuing bank. But usually, when you use a credit card (cc) the specific amount is authorized and your available balance/limit is reduced by the authorized amount. E.g., you just bought a camera for US $1,000. This amount is authorized and then perhaps charged to your account/billed at the end of the month. In the meantime, this amount is pending. This is done, of course, to prevent you from overdrawing your account too much. This would be the classic credit card with monthly billing.

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Note added at 3 days5 hrs (2015-09-04 11:32:15 GMT) Post-grading
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@krihem: You're most welcome!