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Go to a gas station, go inside, buy a drink, and get 20 dollars in gas. Only use your debit card, never use cash. Go to the pump and spend 19.99. Go home. You will look at your bank statement and you will not be charged the 20 dollars. Why? When a debit card transaction is made for gas, inside only, you have to spend the entire amount on gas. If you don't you have to go back in and run your debit card again to get the penny back. I prefer just leaving and they have to deal with the pending charge. Works for me all the time, but I only use exxon.
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