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This process
http://steamcommunity.com/groups/community_market/discussions/0/540744934336786360/
https://store.steampowered.com/account/verifycards
Your bank account might not show pending authorizations on their online site. This is not a charge, but a temporary authorization. Not all banks show these to their users by default.
My bank lists pending authorizations as money held and unavailable. It lists them separate from real charges that took money. It lists them as "Funds On Hold"
Obviously this varies by bank, but if you cannot view authorizations or held funds, you need to contact your bank or credit company to figure out how.
THANK YOU BRO!! You help me settle this stupid ♥♥♥♥♥♥♥ verify thingy xDD ahahaha im so happy xDD