The credit back you earn from shopping shows up as pending before it's ready to spend. Here's why, and when it clears.
Why it's pending
New credit is held as pending to cover the return window — the time you could return, exchange, or cancel your purchase. Once that window closes and the purchase is final, your credit is confirmed.
When it becomes available
Credit stays pending for about 60 days after your purchase, giving the retailer time to process any returns. After that, it becomes available to use.
You'll get a notification when your credit moves from pending to available, and you can always see both balances in your Wallet.
For how earning works overall, see How Croissant's 10% credit back works. New to how credit works? Start with Understanding Croissant Credit.