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"I didn't even know you could use a debit card," Is there ever a situation that you can use a credit card but not a debit card? There are occasionally places t
by cameronh90 5y ago
"I didn't even know you could use a debit card,"
Is there ever a situation that you can use a credit card but not a debit card? There are occasionally places that only accept debit cards, but I think the only time I've had a debit card refused was when hiring a car.
- stevesimmons 5y agoThe reason for that is the car rental company does a "pre-auth" that ties up some of your credit limit (reduces your "open to buy" amount), in case you damage the car or don't return it with a full tank of petrol. Hotels will sometimes do the same for a room night plus potential minibar charges. The pre-auth gets released when you make the payment at the end of the car rental period.
- AnssiH 5y ago"Pre-auth" works the same way for VISA/MC debit and VISA/MC credit. The amount is (temporarily) deducted from my available balance when I use a debit card, just like it is deducted from the credit limit when I use a credit card.
- andrewshadura 5y agoAt some point Uber only accepted credit cards, but not debit cards.
- maccard 5y agoAbout 10 years ago a hotel I had prepaid wouldn't take a debit card for a damage deposit, but that's the only time in my life I've been asked for credit instead of debit.