Before you make an offer on an item, GearUp requires you to fill in your credit or debit card information. This is to make sure that only serious buyers are making offers.
Once you make the offer, there will be a hold placed on the offer amount for up to 24 hrs. You will see this as a "Pending" charge on your statement. This is a temporary hold, not a charge.
If the seller accepts your offer, the "Pending" amount will become a real charge. If the seller rejects your offer, or the offer expires in 24 hrs, the "Pending" charge will drop off your statement within 1-2 days.