its a line of credit, but not credit as you know it
pending money means your bank can see it coming in, and if they make it available for you to spend then that means your bank is confident that money they can see is coming will arrive
it’s how you can deposit money into a poker website and play straight away for instance. if you are depositing from a source they trust then they will extend you credit to play upto the value you said was heading towards them. even if the poker site hasn’t actually received the funds yet
thats what your bank is saying when they let you spend money pending. They trust the money will arrive
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