I have a download that was charged to my account in stead of my itunes card.

Mamapre,
You should open a new discussion when you have an issue separate from the original poster so you can get your own attention.
In this case what most likely happened was your bank is declining the charge so its showing up as a pending authorization hold. You should see the available balance go back up after a few days if this is the case.
The bank has the abillity to immediately dismiss authorization holds as they are the ones holding the money out of your account in case the merchant (iTunes) decides to take it. In this case they will probably advise you to wait until it automatically drops off.
More info: http://support.apple.com/kb/HT3702
Be advised this happens when you have an unpaid order on your account, you can fix this by paying for the order from your purchase history:http://support.apple.com/kb/HT2727 (use a card that wont be declined or add a iTunes Gift Card)
If several business days go by and your money hasn't returned you should contact iTunes again to see if they have additional information about the charges.
You can contact them here: http://www.apple.com/support/itunes/contact/

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