What do you want to ask about when CITIC Credit Card shows pre-authorization for overseas consumption? Credit card pre-authorization means that after the credit card holder makes a purchase overseas, the bank requires the card holder to complete the repayment of the credit card. A pre-authorized transaction is a transaction commitment between the merchant and the customer, so the customer must negotiate with the merchant to cancel the transaction; the bank can assist in canceling the pre-authorized transaction, but must obtain the merchant's written permission.