I nearly had a heart attack once when I pumped gas at my grocery store's station and saw my account balance was negative because they'd charged me $99 even though I'd only pumped about $10. Turns out they do the hold thing, and by the time I got into the store to ask about it, the situation resolved itself and my account was no longer in the red. PHEW!
These and similar stories are why I no longer use my debit card where I can use a credit card instead. It can take longer for the hold to clear on the debit card, and it's my real money that's being held, vs my credit.
Me either. In the past, with my junky car, when I'd rent one to go on trips, I'd put the hold on my credit card, but when I'd return it, and pay, I would then use my debit. This way the hold was on my card (Am Ex, so no limit), and my bank account was ok.
I also refuse to use my debit card online or at any gas station, for the hold issue, but more importantly, if my card were compromised. Eventually, I'd get my money back, but in the meantime, i wouldn't have it. With a credit card, all I've ever done is dispute the charge, and not been out any money at all.