And, there is no way for the credit card company to know whether the amount is correct or not. From their perspective, the $2,069 charge (or whatever it was) could have been from a party room event, some high-priced wine, catering, etc.
Actually not true. The business runs your card for the total sans the tip. You sign the receipt after adding your tip to the total. Then the business reconciles the days drafts with the amended amount.
No, if it’s an unusual purchase for you they might decline it. At least it worked that way for me.