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Additional Details
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curious | Can i rent a car with a maxed credit card? |
I want to rent a car this weekend but my credit card is maxed and the rental company requires a credit card to rent it. I want to know if they put a hold on the card will it process or will it deny it. When i return the rental i'm planning on paying with a debit card but i need to the credit card so they can put the $300 hold on it. Will the hold work even if i don't have any money on the card? btw i live in nj
Additional Details
I did it before and it worked and when i reserved a hotel room |
 |
 
OC1999
|
It depends on your credit card not your state. Most credit card companies will deny the authorization if it puts you over your limit. However, depending on how "over" it puts you some may still authorize it. But even if they do, if it puts you over by more than a few dollars don't count on it getting approved regardless of your credit card.
Now a couple of things you can try. Contact your Credit Card company and see if you can do an immediate payment to give you enough room. If you do it today it may post by the weekend. The other thing to do is see if they will raise your credit limit so that this amount goes through. |
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1-800badcredit
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You probably can't rent a car with a maxed credit card. The company usually puts about $300 to $500 "on hold" for the rental. Then they take the hold off once you bring it back and pay cash for the rent time.
If you've got a friend that's going to be traveling with you then maybe you can rent the car in their name.
Also, you can use your debit/credit card if you've got enough in the bank to cover the hold. They'll just run it as a credit card. |
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Sherry
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I've been looking at car rental sites this week. Check the websites of the "biggies" i.e., avis, hertz, budget, thrifty, etc.--I remember seeing mention of using a bank debit card because one site had a disclaimer that they were not responsible for any returned checks if an overdraft was caused with the deposit. You would need to ask about the refund procedure for the balance of the deposit--I don't have time to go back to the sites to check--it may be that they return the balance between charges & deposit by giving you a check which might not be available immediately upon your return. So, depending on how tight your funds are, take that into consideration so you don't come up short.
I think the Enterprise website said in some states they accept cash deposits. You had to check a list to see if your state was included.
Check with your local rental location (rules vary from state to state) and see if they will accept the credit card as additional I.D. but take the deposit from your debit card.
Also, some credit cards do allow for using services like Western Union to wire payments and, depending on time of day when they're sent, can credit your account in about 24 hours. Call the 800# for your card & check on that as an option.
As a last resort, here in Ohio I know of one small company that offers cash deposits--you may have some in your area, too. You may have to provide your own insurance, 'tho. Plus, the quality of the car they offer may be less reliable than a national agency.
Good luck & Bon Voyage. |
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xbluebellax
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I doubt it...I would call and ask for a line increase. |
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Ted
 |
It might work. It all depends on your banks policy on over-the-limit charges. |
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orangecnty06
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No, when your credit card is maxed out, it will decline when they run it through. |
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Reality Check
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Depends on your card's terms. It will likely be denied because of the large amount it would put the card over, but if it did accept the charge, expect a serious penalty, and possibly the card company canceling your account completely and/or some phone calls regarding the charge.
You're obviously living beyond your means, I don't think renting a car for a weekend of fun is really in the cards for you this weekend. If you can't afford it in cash, then you can't afford it on credit.
Take that $$ from your debit card, and put it towards your maxed balance on your credit card. The card company would likely enjoy seeing some of that money back that they loaned you. |
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Laura H
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No, sorry, it won't work. They pre-authorize your card when you go in to get the car. Meaning they put a hold on the card. You could see if they would take a deposit instead.
Sorry! |
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bobby d
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you can give them the debit card if there are enough funds available. they will charge the debit for the estimated amount and then make any adjusments when you turn the car in |
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