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debit and credit card differnce

Posted Fri December 18, 2009 7:40 pm, by nels h. written to Enterprise Rent-A-Car

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every time i use enterprise to rent a car i use my debit card which can use credit or debit (i checked with my credit union ) they always insist that it be used as debit and not credit and then deduct $ 250 from checking account (the card can work either way if theres no money it won't work )

i feel enterprise is doing this so they can earn interst on the money they collect and its not fair for us who have a debit/credit card and do not have nor want a regular credit card

i would like them to change thier policy to allow a debit or credit card to be used as credit they are making lots of money off this and its not fair


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by Donno Posted Sat December 19, 2009 @ 12:49 AM

IMO, using a debit card for purchases in insane. Vendors put holds on
them (the worst would be rental cars and hotels), thereby freezing
large amounts of your cash and making it unavailable. In the worst
case, it results in you going into overdraft.

If your credit is good and you know the basics of using a credit card
(ie pay the darned bill), a credit card avoids this hold nonsense.

I see you don't wish to use a credit card, but to me it makes a lot of
things so much easier, and provides purchase protection as well. Good


Perspective by RowdyRetailer Sat December 19, 2009 @ 9:47 AM

Yes, it is n/t by Cinderelly Sat December 19, 2009 @ 11:00 PM

by olie Posted Fri December 18, 2009 @ 11:10 PM

As your CU stated, you can use the CU's card as either a debit or a
credit. For one, you enter a PIN. For the other, you use a
signature. At the grocery store, or at Walgreen's, you can select
whether you're using the card as a debit or credit.

When you use the card at a gas station, hotel, or car rental, however,
the merchant puts a hold on the card. YOU don't get the choice here.
The merchant does.

This hold allows the merchant to recoup any loss or excess charge that
you may incur. How will Enterprise, for example, get their money back
if you trash their car? Like slice the seats or remove the sound
system or let your dogs relieve themselves in the car? I can think of
ways to do a lot more than $250 worth of damage to somebody else's

Enterprise, and hotels and gas stations, will also put a hold on your
credit card. In this case, however, you're unlikely to notice the
hold because you'll be under your limit.

I'm interested to find out the interest rate you're earning on your
checking account, as long as you're concerned about the interest that
Enterprise is earning.


regarding your message by nels h. Sat January 2, 2010 @ 11:55 PM

by RowdyRetailer Posted Fri December 18, 2009 @ 9:31 PM

Its a little bit of a hassle, but still better than being a slave to
the credit card companies.

A lot of people still argue that you cant rent a card without a credit
card, this just is not the case. More and more companies realize not
everyone is a slave.

Good Day


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