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Credit card issuers

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  • 04-02-2021 12:55am
    #1
    sbkenn
    Registered Users Posts: 188 ✭✭


    Does anyone know where someone living on disability can get a credit card ? I only want one so that I can occasionally rent a car. All car rental companies insist on a CREDIT CARD, debit card is no good.


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    #2
    Snotty
    Registered Users Posts: 1,298 ✭✭✭Snotty


    Aren't the prepaid credit cards also accepted by car hire companies?


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    #3
    sbkenn
    Registered Users Posts: 188 ✭✭sbkenn


    Snotty wrote: »
    Aren't the prepaid credit cards also accepted by car hire companies?
    Prepaid aren't credit cards, they are debit cards with a set amount lodged to them, kinda like Leap cards ......


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    #4
    SourSessions
    Registered Users Posts: 1,262 ✭✭✭SourSessions


    I've had this issue too with hotels wanting big deposits.

    Most card issuers have a minimum income requirement of 16,000 euro.


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    #5
    L1011
    Registered Users Posts: 69,012 ✭✭✭✭L1011


    Is there any way you can apply for a student credit card? ~800 limit and usually no income requirements except you may be asked to show you're doing some form of course - it doesn't have to be a full time qualification.


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    #6
    SourSessions
    Registered Users Posts: 1,262 ✭✭✭SourSessions


    L1011 wrote:
    Is there any way you can apply for a student credit card? ~800 limit and usually no income requirements except you may be asked to show you're doing some form of course - it doesn't have to be a full time qualification.

    Don't most student credit cards require full time + having a student current account?


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    #7
    sbkenn
    Registered Users Posts: 188 ✭✭sbkenn


    L1011 wrote: »
    Is there any way you can apply for a student credit card? ~800 limit and usually no income requirements except you may be asked to show you're doing some form of course - it doesn't have to be a full time qualification.
    At age 62 and living on disability, probably not.


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    #8
    okidoki987
    Registered Users Posts: 10,622 ✭✭✭✭okidoki987


    You would need a reasonable limit on the cc as the hire companies put a block of x on it if you don't take out their insurance.
    You may run into problems if you are using the card and with the block, it hits the card limit.
    Happened to me years ago in the USA, car hire company had put a €5k block on my card and I couldn't understand why the card was refused in a restaurant.
    Rang the credit card company to check and after they told me about the car hire block, I had to get them to increase the limit.
    I got a 2nd credit card soon after to avoid that happening again.


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    #9
    sbkenn
    Registered Users Posts: 188 ✭✭sbkenn


    okidoki987 wrote: »
    You would need a reasonable limit on the cc as the hire companies put a block of x on it if you don't take out their insurance.
    You may run into problems if you are using the card and with the block, it hits the card limit.
    Happened to me years ago in the USA, car hire company had put a €5k block on my card and I couldn't understand why the card was refused in a restaurant.
    Rang the credit card company to check and after they told me about the car hire block, I had to get them to increase the limit.
    I got a 2nd credit card soon after to avoid that happening again.
    The infuriating thing is that I could easily have a balance in excess of the "excess" on the rental.


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    #10
    cml387
    Registered Users Posts: 8,442 ✭✭✭cml387


    Hi Op

    Your experience seems to contradict the experiences of people in the motoring forum who have managed to hire a car using a debit card. Are you trying to hire a car in Ireland? It's possible they could come to some arrangement if you left a security deposit.


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    #11
    Dodge
    Registered Users Posts: 10,288 ✭✭✭✭Dodge


    cml387 wrote: »
    Hi Op

    Your experience seems to contradict the experiences of people in the motoring forum who have managed to hire a car using a debit card. Are you trying to hire a car in Ireland? It's possible they could come to some arrangement if you left a security deposit.

    I’ve hired a car twice in the US with a debit card with Alamo/National. No hold was placed on the card (although we did buy a tank of gas from them both times for easiness’s sake)

    Prepaid rate (prepaid by revolut).


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    #12
    sbkenn
    Registered Users Posts: 188 ✭✭sbkenn


    cml387 wrote: »
    Hi Op

    Your experience seems to contradict the experiences of people in the motoring forum who have managed to hire a car using a debit card. Are you trying to hire a car in Ireland? It's possible they could come to some arrangement if you left a security deposit.


    I was able to book using debit card, but when I went to collect the car (at Dublin airport), they declined. I was told that is was a stipulation by their insurers. Only Six-T was willing to rent.


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