DrDale Graymark

I tried to buy some lindens using my card. It registered 1 US dollar with my financial institution, but SL won't clear the 1 dollar transaction that IT incurred so I can buy anything else, particularly the lindens that I was tring to buy to begin with. The purchase wasn't that much, about $16. worth, US. At least 12 hours has gone by. SL recognizes my payment info, SL put 1 US dollar on hold, but won't go ahead and take it so that I may proceed to buy the lindens that I was trying to buy in the first place. They indicate that they will take up to 3 days to decide whether to make my $1. or not. Surely this is not what everyone else has had to go through just to be able to make purchases of lindens on SL. What gives? Very Frustrated.