How Credit Cards REALLY Work
Автор: Professor Bob Classroom
Загружено: 2026-01-14
Просмотров: 15
You tap your credit card, the terminal says “APPROVED,” and it feels instant.
But the real system has two different timelines: the fast approval decision… and the slower money movement behind the scenes.
In this video, Professor Bob explains credit card payments in a simple, visual way:
• What “APPROVED” actually means (authorization + temporary hold)
• Why charges show as “pending”
• When the money really moves (clearing & settlement)
• Why refunds often take longer than purchases
• Where rewards come from — and why merchants pay fees
No complicated finance talk — just the real flow, step by step.
If you enjoy understanding how everyday systems work (money, internet, GPS, cities, and more), subscribe for new visual explainers.
Drop a comment: what confuses you most — pending charges, small “test” amounts, or refunds?
#creditcard #taptopay #explained #howthingswork #money
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