Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

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Help - I need to rent a car!

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  • Help - I need to rent a car!

    I'm going on a trip in July and need to rent a car for 4-5 days. There is no one else who can do this for me, as I'm travelling alone with minor children.

    First of all, I do have a secured credit card, but the limit is only $500. Which will be less than a 4-5 day car rental but I'm not sure how large the hold is when you rent a car. Also, can I just book and prepay on Hotwire?

    The only option I can think of is to have my parents add me as an authorized user on their card and give me a card to use just for this trip (and pay them back by check), but I'm not jazzed about telling them about the Chap 13.

    I also have to get a hotel, but presumably I can just use my debit for that...

  • #2
    I have a lot of experience with being in bankruptcy and traveling for work. I did not have a corporate credit card and relied on my debit card. Here's my experience.
    • Hertz - holds the amount of the entire rental (includes taxes and fees) plus $200-$250
    • National - holds the amount of the entire rental (includes taxes and fees)
    • Avis - holds the amount of the entire rental (includes taxes and fees). I had problems with Avis using "certain" bank debit cards that appear as debit cards. The only debit card that worked at Avis was my Paypal Business Debit Card!
    • Enterprise - holds the amount of the entire rental (includes taxes and fees)

    I used my Paypal Business Debit Card for most of my travel and it worked great. I never "presented" it physically as I was able to use my travel profile (as I was a member of each rental company's frequent renter program). Avis gave me the hardest time, but Hertz's $200-$250 extra deposit was annoying.

    I also had a problem with National when I rented a vehicle for 11 days and it exceeded the $1,000 limit on a secured card. I was able to "pre-pay" in advance using my debit card, but presented my secured card at the counter. I had no issues despite calling them and they told that it had to be the same card. (You need to worry about that part.)

    I have no experience prepaying through a travel portal.
    Last edited by justbroke; 06-04-2017, 09:37 PM.
    Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
    Status: (Auto) Discharged and Closed! 5/10
    Visit My BKForum Blog: justbroke's Blog

    I am not an attorney. Any advice provided is not legal advice.


    • #3
      Thanks, justbroke. So, if I have $0 utilization on my $500 limit secured credit card, it looks like I should be able to rent through National or Enterprise-- using the secured card at booking and presenting it at the counter? Although at $111/day for an economy car, I'm not paying that!


      • #4
        I did a little more homework, here. I can pre-pay through AAA and get a good rate through Hertz. AAA pre-pay does not permit the use of debit -- must be credit, but my secured should be fine. I am not sure if I will have enough room on the secured card for the rental and deposit, though. So, I can also pay a bit higher rate and will be permitted to pay at the counter using my debit card for the deposit (edit: oops, not really. they may require credit check!) with proof of return flight and 2 forms of ID.

        So, I think I should be able to manage.

        Making my monthly payment is not the most challenging part of the Chap 13 process!
        Last edited by newlife13; 06-04-2017, 09:35 PM.


        • #5
          I have rented from Enterprise at an airport location with just my debit card before, they just wanted to see by return air confirmation and all they held on my card was the total cost of the rental. I had called ahead to see if the debit card would work, and they said yes, but would hold double the cost of the rental, but in the end it was just the cost.


          • #6
            I think I'll have enough room on my secured credit card if I prepay Hertz via AAA then pay it off, so I will have $500 available on the card for the hold by Hertz at the counter.


            • #7
              I rented last year at a local, non-airport Enterprise. I used my debit card and they held the total rental fee. They may have held an amount above that, no more than $50 or $100 but I can't be certain.
              Filed Ch 13 Fall 2013, 60 month plan


              • #8
                I have an update on this. Got to the airport to rent the car. My secured card -- which I used to pre-pay the rental -- was denied. (Because of an admin issue on the issuer's side, so there was not enough credit avail for the hold. Ugh!) So, I had to use my debit card. They required that I show a round-trip ticket. Then, they said they had do a credit check before they could allow me to rent the car. Oh, shit...

                If someone with credit in the 500's with a public record bankruptcy can pass the credit check, just who is Hertz denying? ;-)

                Got the car. All is good.


                • #9
                  Where is your location brother?


                  • #10
                    5 years ago while still in ch 13, I rented from a local, non-airport Enterprise using my debit card. The only documentation requested was my most recent paystub that must show my local residential address. I let Enterprise make a heavily redacted copy of my paystub.

                    The other condition my local Enterprise requires is what lvmilizia said above, a roundtrip flight confirmation.

                    So yes, car rental using a debit card is possible.


                    • #11
                      Originally posted by underh20 View Post
                      5 years ago while still in ch 13, I rented from a local, non-airport Enterprise using my debit card. The only documentation requested was my most recent paystub that must show my local residential address. I let Enterprise make a heavily redacted copy of my paystub.

                      The other condition my local Enterprise requires is what lvmilizia said above, a roundtrip flight confirmation.

                      So yes, car rental using a debit card is possible.
                      I had the same experience with a non-airport Enterprise. No matter where you are renting, call the manager at the rental office to find out their requirements so there are no surprises.
                      LadyInTheRed is in the black!
                      Filed Chap 13 April 2010. Discharged May 2015.
                      $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!


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