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Re: The higher initial charge
Its not an overpayment, many restaurants when running a credit card will authorize the amount PLUS 20%. This is to ensure that there will be money for the tip, it won't cause the card to go over the limit thus making the transaction void after the card holder has left. 20% usually encompasses all but very heavy tippers. You will see that most of your purchases take 2 -3 days to truly authorize - same with the restaurant purchase. When the final authorization comes through it will reflect the true amount.
Just an FYI: its done intentionally to make sure the card holder has available funds.
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