this post was submitted on 29 Jul 2025
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I wonder what a credit card dispute would result in here. Underutilized feature when businesses pull shady shit. Think I've had 6 or so disputes over the years, never failed.
Too many people these days don't use or have access to credit cards for services like this. Many people I know only use bank debit cards, or worse, use the debit preloaded cash cards issued by their employers' payroll service provider.
Credit cards motivate banks to help you, because if you won't pay, and the business doesn't pay, the bank has to take the hit.
Debit cards will work as well if your bank values it's reputation - but not all banks do.
And I would not trust a preloaded card provider to assist. You are neither their business partner nor their customer and that puts your interests at the bottom of a very long list. You have to hope some law is on your side or that your issue is so trivial that resolving it is more cost effective then dealing with you.
in this case, hertz doesn't rent to who doesn't have a credit card
debit = no rent
Funny, I rented from Hertz about two weeks ago and there was a big sign at the counter explaining their terms of business for renting with a debit card. And it didn't say "We don't do it."
It's more a case by case situation, not universal. In a place where car thefts are rampant they wouldn't offer that, for example
And the initial deposit is massive
I should have remembered that. I had to lend my card out to my friend who was in a credit lock at the time they needed a rental. Still, I don't think my advice is invalid, just irrelevant here.
You CAN dispute debit card charges, but the process is typically done through the vendor of the card, CPI or Fiserv. Contact your bank.
Yes. I agree - on paper all three have a chargeback process that appear similar enough. However, assuming you aren't a financial expert who never needs help, I'm discussing the behind the front politics at play and each group's motivations to go above and beyond.
Credit cards are also an instrument of christofascist pedophiles who want to ban all pornography and 'pornography' (they consider the existence of queer people to be porn)
Theoretically. Last time i saw an 'american ecpress' card was like 2013.
Huh? I don't think I've ever used a rental car service that didn't require a credit card. Exactly so they can charge for this sort of thing.
Virtually any place that accepts a credit card will accept debit cards, too. Actually, most debit cards can be processed as credit cards. The comment you responded to simply highlighted that this trick is much easier to pull with credit card than a debit card, as the creditor hasn't yet been repaid for the credit issued.
it's because with credit cards they can check the credit limit, then be sure that the card can pay the insurance deductible in case of crash
instead with debit i can rent a car, close or deativate the card, crash/total the rental car and then avoid paying any extra fee
most rentals don't rent with debit cards because they want to be sure, and who accepts debit:
I don't understand how this works out badly for the person using a debit card. You pay for the vehicle and if they try to make you pay more you ask for proof and if you don't get it you walk away.
Or do they require a collateral fee when renting?
The other thing not being mentioned is that credit cards and debit cards have different legally required protections.
It's about who's lawyers you can rally to your defense in a dispute.
With a credit card you're spending the bank's money. If you can convince the bank you're in the right, it's you and the bank's lawyers recovering the bank's money.
As a debit card user, the banks will support your legal rights, because it's good business for your clients to prosper. While the bank's lawyers won't go to bat for you, many will be willing to give you quasi-legal and quasi-financial tidbits or point you in the right direction.
As the bank's client's employee, you're basically on your own. Good luck.
Yes