Credit card blocked when trying to hire a car - had to purchase additional premium cover

born_again

MyRealNameToo said:

joeflaherty said:

SuperAllyB said:

If one card was blocked and the other not accepted how did you pay the €416?

I was able to pay the €416 with my debit card. They couldn't accept the debit card for the deposit. Apologies that this wasn't clear in the original post 

Whilst undoubtedly the T&Cs say it must be paid by CC there is no real reason why it cannot be paid by debit card. 

I normally use a chargecard and have frequently been asked if its a credit card, I say its a chargecard, they look confused, eventually put it in the machine and it goes through fine. I have also paid by debit card, by accident as it and one of my chargecards looked very similar at a quick glance (or just the edge sticking out in the wallet) and similarly there was no problem. 

In principle they can easily setup their card machine to only take certain types of cards, same way as HMRC will reject any personal credit card but accept business credit cards, but in practice I find they dont as it would cause them problems potentially when then wanting to take a debit card for buying insurance etc. 

Not sure many people would be happy with a pre auth holding say £1K for 32 days, on a debit card. Which is within the Visa & Mastercard rules for car hire.

MyRealNameToo

Olenna said:

MyRealNameToo said:

Olenna said:

MyRealNameToo said:

joeflaherty said:

SuperAllyB said:

If one card was blocked and the other not accepted how did you pay the €416?

I was able to pay the €416 with my debit card. They couldn't accept the debit card for the deposit. Apologies that this wasn't clear in the original post 

Whilst undoubtedly the T&Cs say it must be paid by CC there is no real reason why it cannot be paid by debit card. 

I normally use a chargecard and have frequently been asked if its a credit card, I say its a chargecard, they look confused, eventually put it in the machine and it goes through fine. I have also paid by debit card, by accident as it and one of my chargecards looked very similar at a quick glance (or just the edge sticking out in the wallet) and similarly there was no problem. 

In principle they can easily setup their card machine to only take certain types of cards, same way as HMRC will reject any personal credit card but accept business credit cards, but in practice I find they dont as it would cause them problems potentially when then wanting to take a debit card for buying insurance etc. 

My brother and sister in law had this very issue in Italy when SIL forgot to bring her credit card.

The simple reason is that it's much more likely that they'll get their money back from a credit v a debit card. The latter could be linked to an account with no overdraft facility so will simply decline if no funds. The extra insurance negates some of that risk as they'll get most back from the insurer if needed. 

Authorisation on a debit card and credit card are the same. If the authorisation drops before the car is returned or the fact monies are owed becomes apparent then you could have spent all your money in your current account or maxed out your credit card and in both cases the subsequent payment would be declined. Whilst the authorisation is held further payments cannot be made on the credit/debit card that would mean that there is insufficient funds to pay against the authorisation. 

In most cases with hire car companies it's a waiver not insurance so they dont get the money back from anyone just the amount people pay on average exceeds the number of excesses being waived. 

Credit cards are simply easier to place a charge against and much less likely be declined. It's exactly the same reason that many 'better' hotels will not accept debit cards or require a large deposit if they do so. 

Guess you didnt read the post you quoted @Olenna? They are equally as easy and as complex as each other because you place a charge on a credit, charge and debit card in the identical way. 

There is absolutely no difference in decline rates between types of cards, sure some brands that aim at sub prime may see higher levels of decline but those would most likely be credit cards rather than debit or charge cards so arguably its the inverse. 

Have stayed in thousands of hotels, not one has ever expressed a preference for credit cards. In fact a few of them have insisted it must be an AmEx charge card because of booking through a promotion with AmEx

Now some people recommend that you use a credit card because the authorisation can take time to drop off and whilst not being able to use your credit card to pay for a new piece of jewellery because the hold hasn't dropped off is annoying not being able to pay your mortgage for the same reason is more problematic but this is based on a host of assumptions of which many dont apply to everyone. My spending debit card is from a different account to my bills account so no matter what I spend the mortgage and electric will be covered. Similarly other people live on credit so having a charge thats not dropped off stops them buying food and other essentials not just frivolous purchases. 

born_again said:

MyRealNameToo said:

joeflaherty said:

SuperAllyB said:

If one card was blocked and the other not accepted how did you pay the €416?

I was able to pay the €416 with my debit card. They couldn't accept the debit card for the deposit. Apologies that this wasn't clear in the original post 

Whilst undoubtedly the T&Cs say it must be paid by CC there is no real reason why it cannot be paid by debit card. 

I normally use a chargecard and have frequently been asked if its a credit card, I say its a chargecard, they look confused, eventually put it in the machine and it goes through fine. I have also paid by debit card, by accident as it and one of my chargecards looked very similar at a quick glance (or just the edge sticking out in the wallet) and similarly there was no problem. 

In principle they can easily setup their card machine to only take certain types of cards, same way as HMRC will reject any personal credit card but accept business credit cards, but in practice I find they dont as it would cause them problems potentially when then wanting to take a debit card for buying insurance etc. 

Not sure many people would be happy with a pre auth holding say £1K for 32 days, on a debit card. Which is within the Visa & Mastercard rules for car hire.

Not sure many people will be happy with the hire car holding £1k on the credit card for 32 days either. Ultimately if you are living on the edge of affordability both could present a serious problem for you. 

Nasqueron

MyRealNameToo said:

Olenna said:

MyRealNameToo said:

Olenna said:

MyRealNameToo said:

joeflaherty said:

SuperAllyB said:

If one card was blocked and the other not accepted how did you pay the €416?

I was able to pay the €416 with my debit card. They couldn't accept the debit card for the deposit. Apologies that this wasn't clear in the original post 

Whilst undoubtedly the T&Cs say it must be paid by CC there is no real reason why it cannot be paid by debit card. 

I normally use a chargecard and have frequently been asked if its a credit card, I say its a chargecard, they look confused, eventually put it in the machine and it goes through fine. I have also paid by debit card, by accident as it and one of my chargecards looked very similar at a quick glance (or just the edge sticking out in the wallet) and similarly there was no problem. 

In principle they can easily setup their card machine to only take certain types of cards, same way as HMRC will reject any personal credit card but accept business credit cards, but in practice I find they dont as it would cause them problems potentially when then wanting to take a debit card for buying insurance etc. 

My brother and sister in law had this very issue in Italy when SIL forgot to bring her credit card.

The simple reason is that it's much more likely that they'll get their money back from a credit v a debit card. The latter could be linked to an account with no overdraft facility so will simply decline if no funds. The extra insurance negates some of that risk as they'll get most back from the insurer if needed. 

Authorisation on a debit card and credit card are the same. If the authorisation drops before the car is returned or the fact monies are owed becomes apparent then you could have spent all your money in your current account or maxed out your credit card and in both cases the subsequent payment would be declined. Whilst the authorisation is held further payments cannot be made on the credit/debit card that would mean that there is insufficient funds to pay against the authorisation. 

In most cases with hire car companies it's a waiver not insurance so they dont get the money back from anyone just the amount people pay on average exceeds the number of excesses being waived. 

Credit cards are simply easier to place a charge against and much less likely be declined. It's exactly the same reason that many 'better' hotels will not accept debit cards or require a large deposit if they do so. 

Guess you didnt read the post you quoted @Olenna? They are equally as easy and as complex as each other because you place a charge on a credit, charge and debit card in the identical way. 

There is absolutely no difference in decline rates between types of cards, sure some brands that aim at sub prime may see higher levels of decline but those would most likely be credit cards rather than debit or charge cards so arguably its the inverse. 

Have stayed in thousands of hotels, not one has ever expressed a preference for credit cards. In fact a few of them have insisted it must be an AmEx charge card because of booking through a promotion with AmEx

Now some people recommend that you use a credit card because the authorisation can take time to drop off and whilst not being able to use your credit card to pay for a new piece of jewellery because the hold hasn't dropped off is annoying not being able to pay your mortgage for the same reason is more problematic but this is based on a host of assumptions of which many dont apply to everyone. My spending debit card is from a different account to my bills account so no matter what I spend the mortgage and electric will be covered. Similarly other people live on credit so having a charge thats not dropped off stops them buying food and other essentials not just frivolous purchases. 

born_again said:

MyRealNameToo said:

joeflaherty said:

SuperAllyB said:

If one card was blocked and the other not accepted how did you pay the €416?

I was able to pay the €416 with my debit card. They couldn't accept the debit card for the deposit. Apologies that this wasn't clear in the original post 

Whilst undoubtedly the T&Cs say it must be paid by CC there is no real reason why it cannot be paid by debit card. 

I normally use a chargecard and have frequently been asked if its a credit card, I say its a chargecard, they look confused, eventually put it in the machine and it goes through fine. I have also paid by debit card, by accident as it and one of my chargecards looked very similar at a quick glance (or just the edge sticking out in the wallet) and similarly there was no problem. 

In principle they can easily setup their card machine to only take certain types of cards, same way as HMRC will reject any personal credit card but accept business credit cards, but in practice I find they dont as it would cause them problems potentially when then wanting to take a debit card for buying insurance etc. 

Not sure many people would be happy with a pre auth holding say £1K for 32 days, on a debit card. Which is within the Visa & Mastercard rules for car hire.

Not sure many people will be happy with the hire car holding £1k on the credit card for 32 days either. Ultimately if you are living on the edge of affordability both could present a serious problem for you. 

A pre-auth for 1k on a CC isn't a charge, vs 1k freeze on your current account balance. Credit card is just easier to manage than losing access to money in your bank. 

MyRealNameToo

Nasqueron said:

MyRealNameToo said:

Olenna said:

MyRealNameToo said:

Olenna said:

MyRealNameToo said:

joeflaherty said:

SuperAllyB said:

If one card was blocked and the other not accepted how did you pay the €416?

I was able to pay the €416 with my debit card. They couldn't accept the debit card for the deposit. Apologies that this wasn't clear in the original post 

Whilst undoubtedly the T&Cs say it must be paid by CC there is no real reason why it cannot be paid by debit card. 

I normally use a chargecard and have frequently been asked if its a credit card, I say its a chargecard, they look confused, eventually put it in the machine and it goes through fine. I have also paid by debit card, by accident as it and one of my chargecards looked very similar at a quick glance (or just the edge sticking out in the wallet) and similarly there was no problem. 

In principle they can easily setup their card machine to only take certain types of cards, same way as HMRC will reject any personal credit card but accept business credit cards, but in practice I find they dont as it would cause them problems potentially when then wanting to take a debit card for buying insurance etc. 

My brother and sister in law had this very issue in Italy when SIL forgot to bring her credit card.

The simple reason is that it's much more likely that they'll get their money back from a credit v a debit card. The latter could be linked to an account with no overdraft facility so will simply decline if no funds. The extra insurance negates some of that risk as they'll get most back from the insurer if needed. 

Authorisation on a debit card and credit card are the same. If the authorisation drops before the car is returned or the fact monies are owed becomes apparent then you could have spent all your money in your current account or maxed out your credit card and in both cases the subsequent payment would be declined. Whilst the authorisation is held further payments cannot be made on the credit/debit card that would mean that there is insufficient funds to pay against the authorisation. 

In most cases with hire car companies it's a waiver not insurance so they dont get the money back from anyone just the amount people pay on average exceeds the number of excesses being waived. 

Credit cards are simply easier to place a charge against and much less likely be declined. It's exactly the same reason that many 'better' hotels will not accept debit cards or require a large deposit if they do so. 

Guess you didnt read the post you quoted @Olenna? They are equally as easy and as complex as each other because you place a charge on a credit, charge and debit card in the identical way. 

There is absolutely no difference in decline rates between types of cards, sure some brands that aim at sub prime may see higher levels of decline but those would most likely be credit cards rather than debit or charge cards so arguably its the inverse. 

Have stayed in thousands of hotels, not one has ever expressed a preference for credit cards. In fact a few of them have insisted it must be an AmEx charge card because of booking through a promotion with AmEx

Now some people recommend that you use a credit card because the authorisation can take time to drop off and whilst not being able to use your credit card to pay for a new piece of jewellery because the hold hasn't dropped off is annoying not being able to pay your mortgage for the same reason is more problematic but this is based on a host of assumptions of which many dont apply to everyone. My spending debit card is from a different account to my bills account so no matter what I spend the mortgage and electric will be covered. Similarly other people live on credit so having a charge thats not dropped off stops them buying food and other essentials not just frivolous purchases. 

born_again said:

MyRealNameToo said:

joeflaherty said:

SuperAllyB said:

If one card was blocked and the other not accepted how did you pay the €416?

I was able to pay the €416 with my debit card. They couldn't accept the debit card for the deposit. Apologies that this wasn't clear in the original post 

Whilst undoubtedly the T&Cs say it must be paid by CC there is no real reason why it cannot be paid by debit card. 

I normally use a chargecard and have frequently been asked if its a credit card, I say its a chargecard, they look confused, eventually put it in the machine and it goes through fine. I have also paid by debit card, by accident as it and one of my chargecards looked very similar at a quick glance (or just the edge sticking out in the wallet) and similarly there was no problem. 

In principle they can easily setup their card machine to only take certain types of cards, same way as HMRC will reject any personal credit card but accept business credit cards, but in practice I find they dont as it would cause them problems potentially when then wanting to take a debit card for buying insurance etc. 

Not sure many people would be happy with a pre auth holding say £1K for 32 days, on a debit card. Which is within the Visa & Mastercard rules for car hire.

Not sure many people will be happy with the hire car holding £1k on the credit card for 32 days either. Ultimately if you are living on the edge of affordability both could present a serious problem for you. 

A pre-auth for 1k on a CC isn't a charge, vs 1k freeze on your current account balance. Credit card is just easier to manage than losing access to money in your bank. 

Pre-auth for £1k on a DC and ChargeCard isnt a charge, on all 3 card types they are just holding £1k 

Depends on how you run your life if having £1k of untouchable cash is easier/harder/indifferent than £1k of untouchable credit

Olenna

MyRealNameToo said:

Nasqueron said:

MyRealNameToo said:

Olenna said:

MyRealNameToo said:

Olenna said:

MyRealNameToo said:

joeflaherty said:

SuperAllyB said:

If one card was blocked and the other not accepted how did you pay the €416?

I was able to pay the €416 with my debit card. They couldn't accept the debit card for the deposit. Apologies that this wasn't clear in the original post 

Whilst undoubtedly the T&Cs say it must be paid by CC there is no real reason why it cannot be paid by debit card. 

I normally use a chargecard and have frequently been asked if its a credit card, I say its a chargecard, they look confused, eventually put it in the machine and it goes through fine. I have also paid by debit card, by accident as it and one of my chargecards looked very similar at a quick glance (or just the edge sticking out in the wallet) and similarly there was no problem. 

In principle they can easily setup their card machine to only take certain types of cards, same way as HMRC will reject any personal credit card but accept business credit cards, but in practice I find they dont as it would cause them problems potentially when then wanting to take a debit card for buying insurance etc. 

My brother and sister in law had this very issue in Italy when SIL forgot to bring her credit card.

The simple reason is that it's much more likely that they'll get their money back from a credit v a debit card. The latter could be linked to an account with no overdraft facility so will simply decline if no funds. The extra insurance negates some of that risk as they'll get most back from the insurer if needed. 

Authorisation on a debit card and credit card are the same. If the authorisation drops before the car is returned or the fact monies are owed becomes apparent then you could have spent all your money in your current account or maxed out your credit card and in both cases the subsequent payment would be declined. Whilst the authorisation is held further payments cannot be made on the credit/debit card that would mean that there is insufficient funds to pay against the authorisation. 

In most cases with hire car companies it's a waiver not insurance so they dont get the money back from anyone just the amount people pay on average exceeds the number of excesses being waived. 

Credit cards are simply easier to place a charge against and much less likely be declined. It's exactly the same reason that many 'better' hotels will not accept debit cards or require a large deposit if they do so. 

Guess you didnt read the post you quoted @Olenna? They are equally as easy and as complex as each other because you place a charge on a credit, charge and debit card in the identical way. 

There is absolutely no difference in decline rates between types of cards, sure some brands that aim at sub prime may see higher levels of decline but those would most likely be credit cards rather than debit or charge cards so arguably its the inverse. 

Have stayed in thousands of hotels, not one has ever expressed a preference for credit cards. In fact a few of them have insisted it must be an AmEx charge card because of booking through a promotion with AmEx

Now some people recommend that you use a credit card because the authorisation can take time to drop off and whilst not being able to use your credit card to pay for a new piece of jewellery because the hold hasn't dropped off is annoying not being able to pay your mortgage for the same reason is more problematic but this is based on a host of assumptions of which many dont apply to everyone. My spending debit card is from a different account to my bills account so no matter what I spend the mortgage and electric will be covered. Similarly other people live on credit so having a charge thats not dropped off stops them buying food and other essentials not just frivolous purchases. 

born_again said:

MyRealNameToo said:

joeflaherty said:

SuperAllyB said:

If one card was blocked and the other not accepted how did you pay the €416?

I was able to pay the €416 with my debit card. They couldn't accept the debit card for the deposit. Apologies that this wasn't clear in the original post 

Whilst undoubtedly the T&Cs say it must be paid by CC there is no real reason why it cannot be paid by debit card. 

I normally use a chargecard and have frequently been asked if its a credit card, I say its a chargecard, they look confused, eventually put it in the machine and it goes through fine. I have also paid by debit card, by accident as it and one of my chargecards looked very similar at a quick glance (or just the edge sticking out in the wallet) and similarly there was no problem. 

In principle they can easily setup their card machine to only take certain types of cards, same way as HMRC will reject any personal credit card but accept business credit cards, but in practice I find they dont as it would cause them problems potentially when then wanting to take a debit card for buying insurance etc. 

Not sure many people would be happy with a pre auth holding say £1K for 32 days, on a debit card. Which is within the Visa & Mastercard rules for car hire.

Not sure many people will be happy with the hire car holding £1k on the credit card for 32 days either. Ultimately if you are living on the edge of affordability both could present a serious problem for you. 

A pre-auth for 1k on a CC isn't a charge, vs 1k freeze on your current account balance. Credit card is just easier to manage than losing access to money in your bank. 

Pre-auth for £1k on a DC and ChargeCard isnt a charge, on all 3 card types they are just holding £1k 

Depends on how you run your life if having £1k of untouchable cash is easier/harder/indifferent than £1k of untouchable credit

One is your own funds and the other is the card issuer's funds that are earmarked - I know which I prefer.
I can't comment for you but I've been in hotels and used car hires that have refused cash or debit cards.

MyRealNameToo

Olenna said:

MyRealNameToo said:

Nasqueron said:

MyRealNameToo said:

Olenna said:

MyRealNameToo said:

Olenna said:

MyRealNameToo said:

joeflaherty said:

SuperAllyB said:

If one card was blocked and the other not accepted how did you pay the €416?

I was able to pay the €416 with my debit card. They couldn't accept the debit card for the deposit. Apologies that this wasn't clear in the original post 

Whilst undoubtedly the T&Cs say it must be paid by CC there is no real reason why it cannot be paid by debit card. 

I normally use a chargecard and have frequently been asked if its a credit card, I say its a chargecard, they look confused, eventually put it in the machine and it goes through fine. I have also paid by debit card, by accident as it and one of my chargecards looked very similar at a quick glance (or just the edge sticking out in the wallet) and similarly there was no problem. 

In principle they can easily setup their card machine to only take certain types of cards, same way as HMRC will reject any personal credit card but accept business credit cards, but in practice I find they dont as it would cause them problems potentially when then wanting to take a debit card for buying insurance etc. 

My brother and sister in law had this very issue in Italy when SIL forgot to bring her credit card.

The simple reason is that it's much more likely that they'll get their money back from a credit v a debit card. The latter could be linked to an account with no overdraft facility so will simply decline if no funds. The extra insurance negates some of that risk as they'll get most back from the insurer if needed. 

Authorisation on a debit card and credit card are the same. If the authorisation drops before the car is returned or the fact monies are owed becomes apparent then you could have spent all your money in your current account or maxed out your credit card and in both cases the subsequent payment would be declined. Whilst the authorisation is held further payments cannot be made on the credit/debit card that would mean that there is insufficient funds to pay against the authorisation. 

In most cases with hire car companies it's a waiver not insurance so they dont get the money back from anyone just the amount people pay on average exceeds the number of excesses being waived. 

Credit cards are simply easier to place a charge against and much less likely be declined. It's exactly the same reason that many 'better' hotels will not accept debit cards or require a large deposit if they do so. 

Guess you didnt read the post you quoted @Olenna? They are equally as easy and as complex as each other because you place a charge on a credit, charge and debit card in the identical way. 

There is absolutely no difference in decline rates between types of cards, sure some brands that aim at sub prime may see higher levels of decline but those would most likely be credit cards rather than debit or charge cards so arguably its the inverse. 

Have stayed in thousands of hotels, not one has ever expressed a preference for credit cards. In fact a few of them have insisted it must be an AmEx charge card because of booking through a promotion with AmEx

Now some people recommend that you use a credit card because the authorisation can take time to drop off and whilst not being able to use your credit card to pay for a new piece of jewellery because the hold hasn't dropped off is annoying not being able to pay your mortgage for the same reason is more problematic but this is based on a host of assumptions of which many dont apply to everyone. My spending debit card is from a different account to my bills account so no matter what I spend the mortgage and electric will be covered. Similarly other people live on credit so having a charge thats not dropped off stops them buying food and other essentials not just frivolous purchases. 

born_again said:

MyRealNameToo said:

joeflaherty said:

SuperAllyB said:

If one card was blocked and the other not accepted how did you pay the €416?

I was able to pay the €416 with my debit card. They couldn't accept the debit card for the deposit. Apologies that this wasn't clear in the original post 

Whilst undoubtedly the T&Cs say it must be paid by CC there is no real reason why it cannot be paid by debit card. 

I normally use a chargecard and have frequently been asked if its a credit card, I say its a chargecard, they look confused, eventually put it in the machine and it goes through fine. I have also paid by debit card, by accident as it and one of my chargecards looked very similar at a quick glance (or just the edge sticking out in the wallet) and similarly there was no problem. 

In principle they can easily setup their card machine to only take certain types of cards, same way as HMRC will reject any personal credit card but accept business credit cards, but in practice I find they dont as it would cause them problems potentially when then wanting to take a debit card for buying insurance etc. 

Not sure many people would be happy with a pre auth holding say £1K for 32 days, on a debit card. Which is within the Visa & Mastercard rules for car hire.

Not sure many people will be happy with the hire car holding £1k on the credit card for 32 days either. Ultimately if you are living on the edge of affordability both could present a serious problem for you. 

A pre-auth for 1k on a CC isn't a charge, vs 1k freeze on your current account balance. Credit card is just easier to manage than losing access to money in your bank. 

Pre-auth for £1k on a DC and ChargeCard isnt a charge, on all 3 card types they are just holding £1k 

Depends on how you run your life if having £1k of untouchable cash is easier/harder/indifferent than £1k of untouchable credit

One is your own funds and the other is the card issuer's funds that are earmarked - I know which I prefer.
I can't comment for you but I've been in hotels and used car hires that have refused cash or debit cards.

Hire companies yes, though thats normally to try and sell you their excess waiver. In practice though I almost always use a charge card which they accept despite saying it has to be a credit card. Similarly have accidentally handed over a debit card, that used to look near identical to a credit card, and they also accepted that. 

I find it an odd idea that somehow it's not yours if it's a credit card... if a charge comes in who do you think will be paying it? An authorisation that drops off means no ones money was taken. 

Nasqueron

MyRealNameToo said:

Nasqueron said:

MyRealNameToo said:

Olenna said:

MyRealNameToo said:

Olenna said:

MyRealNameToo said:

joeflaherty said:

SuperAllyB said:

If one card was blocked and the other not accepted how did you pay the €416?

I was able to pay the €416 with my debit card. They couldn't accept the debit card for the deposit. Apologies that this wasn't clear in the original post 

Whilst undoubtedly the T&Cs say it must be paid by CC there is no real reason why it cannot be paid by debit card. 

I normally use a chargecard and have frequently been asked if its a credit card, I say its a chargecard, they look confused, eventually put it in the machine and it goes through fine. I have also paid by debit card, by accident as it and one of my chargecards looked very similar at a quick glance (or just the edge sticking out in the wallet) and similarly there was no problem. 

In principle they can easily setup their card machine to only take certain types of cards, same way as HMRC will reject any personal credit card but accept business credit cards, but in practice I find they dont as it would cause them problems potentially when then wanting to take a debit card for buying insurance etc. 

My brother and sister in law had this very issue in Italy when SIL forgot to bring her credit card.

The simple reason is that it's much more likely that they'll get their money back from a credit v a debit card. The latter could be linked to an account with no overdraft facility so will simply decline if no funds. The extra insurance negates some of that risk as they'll get most back from the insurer if needed. 

Authorisation on a debit card and credit card are the same. If the authorisation drops before the car is returned or the fact monies are owed becomes apparent then you could have spent all your money in your current account or maxed out your credit card and in both cases the subsequent payment would be declined. Whilst the authorisation is held further payments cannot be made on the credit/debit card that would mean that there is insufficient funds to pay against the authorisation. 

In most cases with hire car companies it's a waiver not insurance so they dont get the money back from anyone just the amount people pay on average exceeds the number of excesses being waived. 

Credit cards are simply easier to place a charge against and much less likely be declined. It's exactly the same reason that many 'better' hotels will not accept debit cards or require a large deposit if they do so. 

Guess you didnt read the post you quoted @Olenna? They are equally as easy and as complex as each other because you place a charge on a credit, charge and debit card in the identical way. 

There is absolutely no difference in decline rates between types of cards, sure some brands that aim at sub prime may see higher levels of decline but those would most likely be credit cards rather than debit or charge cards so arguably its the inverse. 

Have stayed in thousands of hotels, not one has ever expressed a preference for credit cards. In fact a few of them have insisted it must be an AmEx charge card because of booking through a promotion with AmEx

Now some people recommend that you use a credit card because the authorisation can take time to drop off and whilst not being able to use your credit card to pay for a new piece of jewellery because the hold hasn't dropped off is annoying not being able to pay your mortgage for the same reason is more problematic but this is based on a host of assumptions of which many dont apply to everyone. My spending debit card is from a different account to my bills account so no matter what I spend the mortgage and electric will be covered. Similarly other people live on credit so having a charge thats not dropped off stops them buying food and other essentials not just frivolous purchases. 

born_again said:

MyRealNameToo said:

joeflaherty said:

SuperAllyB said:

If one card was blocked and the other not accepted how did you pay the €416?

I was able to pay the €416 with my debit card. They couldn't accept the debit card for the deposit. Apologies that this wasn't clear in the original post 

Whilst undoubtedly the T&Cs say it must be paid by CC there is no real reason why it cannot be paid by debit card. 

I normally use a chargecard and have frequently been asked if its a credit card, I say its a chargecard, they look confused, eventually put it in the machine and it goes through fine. I have also paid by debit card, by accident as it and one of my chargecards looked very similar at a quick glance (or just the edge sticking out in the wallet) and similarly there was no problem. 

In principle they can easily setup their card machine to only take certain types of cards, same way as HMRC will reject any personal credit card but accept business credit cards, but in practice I find they dont as it would cause them problems potentially when then wanting to take a debit card for buying insurance etc. 

Not sure many people would be happy with a pre auth holding say £1K for 32 days, on a debit card. Which is within the Visa & Mastercard rules for car hire.

Not sure many people will be happy with the hire car holding £1k on the credit card for 32 days either. Ultimately if you are living on the edge of affordability both could present a serious problem for you. 

A pre-auth for 1k on a CC isn't a charge, vs 1k freeze on your current account balance. Credit card is just easier to manage than losing access to money in your bank. 

Pre-auth for £1k on a DC and ChargeCard isnt a charge, on all 3 card types they are just holding £1k 

Depends on how you run your life if having £1k of untouchable cash is easier/harder/indifferent than £1k of untouchable credit

I have several cards that are empty that have huge limits e.g. a Halifax Clarity I typically use twice a year for work travel with £7.5k limit, completely separate to spending card (which I tend to have about £400-£500 a month on with £4k limit). My bank account always has 1p in it as the funds are all in easy access savers to make me money so yes a £1000 hold on my cash is terrible for lost interest

MyRealNameToo

Nasqueron said:

MyRealNameToo said:

Nasqueron said:

MyRealNameToo said:

Olenna said:

MyRealNameToo said:

Olenna said:

MyRealNameToo said:

joeflaherty said:

SuperAllyB said:

If one card was blocked and the other not accepted how did you pay the €416?

I was able to pay the €416 with my debit card. They couldn't accept the debit card for the deposit. Apologies that this wasn't clear in the original post 

Whilst undoubtedly the T&Cs say it must be paid by CC there is no real reason why it cannot be paid by debit card. 

I normally use a chargecard and have frequently been asked if its a credit card, I say its a chargecard, they look confused, eventually put it in the machine and it goes through fine. I have also paid by debit card, by accident as it and one of my chargecards looked very similar at a quick glance (or just the edge sticking out in the wallet) and similarly there was no problem. 

In principle they can easily setup their card machine to only take certain types of cards, same way as HMRC will reject any personal credit card but accept business credit cards, but in practice I find they dont as it would cause them problems potentially when then wanting to take a debit card for buying insurance etc. 

My brother and sister in law had this very issue in Italy when SIL forgot to bring her credit card.

The simple reason is that it's much more likely that they'll get their money back from a credit v a debit card. The latter could be linked to an account with no overdraft facility so will simply decline if no funds. The extra insurance negates some of that risk as they'll get most back from the insurer if needed. 

Authorisation on a debit card and credit card are the same. If the authorisation drops before the car is returned or the fact monies are owed becomes apparent then you could have spent all your money in your current account or maxed out your credit card and in both cases the subsequent payment would be declined. Whilst the authorisation is held further payments cannot be made on the credit/debit card that would mean that there is insufficient funds to pay against the authorisation. 

In most cases with hire car companies it's a waiver not insurance so they dont get the money back from anyone just the amount people pay on average exceeds the number of excesses being waived. 

Credit cards are simply easier to place a charge against and much less likely be declined. It's exactly the same reason that many 'better' hotels will not accept debit cards or require a large deposit if they do so. 

Guess you didnt read the post you quoted @Olenna? They are equally as easy and as complex as each other because you place a charge on a credit, charge and debit card in the identical way. 

There is absolutely no difference in decline rates between types of cards, sure some brands that aim at sub prime may see higher levels of decline but those would most likely be credit cards rather than debit or charge cards so arguably its the inverse. 

Have stayed in thousands of hotels, not one has ever expressed a preference for credit cards. In fact a few of them have insisted it must be an AmEx charge card because of booking through a promotion with AmEx

Now some people recommend that you use a credit card because the authorisation can take time to drop off and whilst not being able to use your credit card to pay for a new piece of jewellery because the hold hasn't dropped off is annoying not being able to pay your mortgage for the same reason is more problematic but this is based on a host of assumptions of which many dont apply to everyone. My spending debit card is from a different account to my bills account so no matter what I spend the mortgage and electric will be covered. Similarly other people live on credit so having a charge thats not dropped off stops them buying food and other essentials not just frivolous purchases. 

born_again said:

MyRealNameToo said:

joeflaherty said:

SuperAllyB said:

If one card was blocked and the other not accepted how did you pay the €416?

I was able to pay the €416 with my debit card. They couldn't accept the debit card for the deposit. Apologies that this wasn't clear in the original post 

Whilst undoubtedly the T&Cs say it must be paid by CC there is no real reason why it cannot be paid by debit card. 

I normally use a chargecard and have frequently been asked if its a credit card, I say its a chargecard, they look confused, eventually put it in the machine and it goes through fine. I have also paid by debit card, by accident as it and one of my chargecards looked very similar at a quick glance (or just the edge sticking out in the wallet) and similarly there was no problem. 

In principle they can easily setup their card machine to only take certain types of cards, same way as HMRC will reject any personal credit card but accept business credit cards, but in practice I find they dont as it would cause them problems potentially when then wanting to take a debit card for buying insurance etc. 

Not sure many people would be happy with a pre auth holding say £1K for 32 days, on a debit card. Which is within the Visa & Mastercard rules for car hire.

Not sure many people will be happy with the hire car holding £1k on the credit card for 32 days either. Ultimately if you are living on the edge of affordability both could present a serious problem for you. 

A pre-auth for 1k on a CC isn't a charge, vs 1k freeze on your current account balance. Credit card is just easier to manage than losing access to money in your bank. 

Pre-auth for £1k on a DC and ChargeCard isnt a charge, on all 3 card types they are just holding £1k 

Depends on how you run your life if having £1k of untouchable cash is easier/harder/indifferent than £1k of untouchable credit

I have several cards that are empty that have huge limits e.g. a Halifax Clarity I typically use twice a year for work travel with £7.5k limit, completely separate to spending card (which I tend to have about £400-£500 a month on with £4k limit). My bank account always has 1p in it as the funds are all in easy access savers to make me money so yes a £1000 hold on my cash is terrible for lost interest

Best easy access account right now is earning you 12p of interest per day on £1k and that assumes you arent having to pay tax on your interest. 

My time is more valuable to me than 12p to have to mess about with moving money about every day to ensure there are funds there to pay for each variable DD/CPA etc but if it works for you then great, enjoy spending today's 12p

leonard_455

Because the €416 was paid for a service (insurance) you only bought because Virgin Money’s block left you with no choice, you could try a Section 75 claim or chargeback if you paid it with a credit card. The success of this is less clear, since the insurance was technically provided, but it’s worth asking the bank to review whether you were mis-sold under duress

Nasqueron

MyRealNameToo said:

Nasqueron said:

MyRealNameToo said:

Nasqueron said:

MyRealNameToo said:

Olenna said:

MyRealNameToo said:

Olenna said:

MyRealNameToo said:

joeflaherty said:

SuperAllyB said:

If one card was blocked and the other not accepted how did you pay the €416?

I was able to pay the €416 with my debit card. They couldn't accept the debit card for the deposit. Apologies that this wasn't clear in the original post 

Whilst undoubtedly the T&Cs say it must be paid by CC there is no real reason why it cannot be paid by debit card. 

I normally use a chargecard and have frequently been asked if its a credit card, I say its a chargecard, they look confused, eventually put it in the machine and it goes through fine. I have also paid by debit card, by accident as it and one of my chargecards looked very similar at a quick glance (or just the edge sticking out in the wallet) and similarly there was no problem. 

In principle they can easily setup their card machine to only take certain types of cards, same way as HMRC will reject any personal credit card but accept business credit cards, but in practice I find they dont as it would cause them problems potentially when then wanting to take a debit card for buying insurance etc. 

My brother and sister in law had this very issue in Italy when SIL forgot to bring her credit card.

The simple reason is that it's much more likely that they'll get their money back from a credit v a debit card. The latter could be linked to an account with no overdraft facility so will simply decline if no funds. The extra insurance negates some of that risk as they'll get most back from the insurer if needed. 

Authorisation on a debit card and credit card are the same. If the authorisation drops before the car is returned or the fact monies are owed becomes apparent then you could have spent all your money in your current account or maxed out your credit card and in both cases the subsequent payment would be declined. Whilst the authorisation is held further payments cannot be made on the credit/debit card that would mean that there is insufficient funds to pay against the authorisation. 

In most cases with hire car companies it's a waiver not insurance so they dont get the money back from anyone just the amount people pay on average exceeds the number of excesses being waived. 

Credit cards are simply easier to place a charge against and much less likely be declined. It's exactly the same reason that many 'better' hotels will not accept debit cards or require a large deposit if they do so. 

Guess you didnt read the post you quoted @Olenna? They are equally as easy and as complex as each other because you place a charge on a credit, charge and debit card in the identical way. 

There is absolutely no difference in decline rates between types of cards, sure some brands that aim at sub prime may see higher levels of decline but those would most likely be credit cards rather than debit or charge cards so arguably its the inverse. 

Have stayed in thousands of hotels, not one has ever expressed a preference for credit cards. In fact a few of them have insisted it must be an AmEx charge card because of booking through a promotion with AmEx

Now some people recommend that you use a credit card because the authorisation can take time to drop off and whilst not being able to use your credit card to pay for a new piece of jewellery because the hold hasn't dropped off is annoying not being able to pay your mortgage for the same reason is more problematic but this is based on a host of assumptions of which many dont apply to everyone. My spending debit card is from a different account to my bills account so no matter what I spend the mortgage and electric will be covered. Similarly other people live on credit so having a charge thats not dropped off stops them buying food and other essentials not just frivolous purchases. 

born_again said:

MyRealNameToo said:

joeflaherty said:

SuperAllyB said:

If one card was blocked and the other not accepted how did you pay the €416?

I was able to pay the €416 with my debit card. They couldn't accept the debit card for the deposit. Apologies that this wasn't clear in the original post 

Whilst undoubtedly the T&Cs say it must be paid by CC there is no real reason why it cannot be paid by debit card. 

I normally use a chargecard and have frequently been asked if its a credit card, I say its a chargecard, they look confused, eventually put it in the machine and it goes through fine. I have also paid by debit card, by accident as it and one of my chargecards looked very similar at a quick glance (or just the edge sticking out in the wallet) and similarly there was no problem. 

In principle they can easily setup their card machine to only take certain types of cards, same way as HMRC will reject any personal credit card but accept business credit cards, but in practice I find they dont as it would cause them problems potentially when then wanting to take a debit card for buying insurance etc. 

Not sure many people would be happy with a pre auth holding say £1K for 32 days, on a debit card. Which is within the Visa & Mastercard rules for car hire.

Not sure many people will be happy with the hire car holding £1k on the credit card for 32 days either. Ultimately if you are living on the edge of affordability both could present a serious problem for you. 

A pre-auth for 1k on a CC isn't a charge, vs 1k freeze on your current account balance. Credit card is just easier to manage than losing access to money in your bank. 

Pre-auth for £1k on a DC and ChargeCard isnt a charge, on all 3 card types they are just holding £1k 

Depends on how you run your life if having £1k of untouchable cash is easier/harder/indifferent than £1k of untouchable credit

I have several cards that are empty that have huge limits e.g. a Halifax Clarity I typically use twice a year for work travel with £7.5k limit, completely separate to spending card (which I tend to have about £400-£500 a month on with £4k limit). My bank account always has 1p in it as the funds are all in easy access savers to make me money so yes a £1000 hold on my cash is terrible for lost interest

Best easy access account right now is earning you 12p of interest per day on £1k and that assumes you arent having to pay tax on your interest. 

My time is more valuable to me than 12p to have to mess about with moving money about every day to ensure there are funds there to pay for each variable DD/CPA etc but if it works for you then great, enjoy spending today's 12p

I don't move money every day

Santander pays 6% on £4k, works out about £20 a month, £5 a week // £1.25 per 1k per week for a few seconds worth of work, if you can't spare literally 10 seconds once every few days then you must be the busiest person in the world. Regardless, £1.25 is better in my pocket than being held until it's released let alone if there was an emergency while travelling and cash was urgently needed.

Also it's incredibly simple just to hold a credit card and pay with that rather than having to move funds into an account to allow a firm to hold it