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Secured Card with 650 Available credit. Can I rent a small car for 2 days with this card?

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bcrawl
New Member

Secured Card with 650 Available credit. Can I rent a small car for 2 days with this card?

Hi,

 

As asked in the title, is this possible? I have debit card with money in it but i have heard that car rentals dont take that and I need a card. Will a secured card with 650 availablility work with enterprise or someone similar? I need to visit a city in another state and wanted to know if this was possible.

 

Thanks

 

 

Message 1 of 13
12 REPLIES 12
tcbofade
Super Contributor

Re: Secured Card with 650 Available credit. Can I rent a small car for 2 days with this card?

Call the car rental place that you'd like to use and ask them.

 

Some of them DO take debit cards...

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 2 of 13
icloud2525
Frequent Contributor

Re: Secured Card with 650 Available credit. Can I rent a small car for 2 days with this card?

It should be fine.  I wouldn't mention it being a secured card, there's no way for them to know it is.  Generally enterprise authorizes $300 on a card up front.  

Chase Sapphire Reserve $32.5K, Amex BCP $20K, Amex PRG NPSL, Amex Hilton Surpass $13,500, Amex Hilton $16,200, Discover it $16,000, Citi TYP $18,900, US Bank Cash+ Visa Sig $12,000, Virgin Atlantic World Elite MC $13,100, Merrill+ Visa Sig $10,000, Fidelity Visa Sig $14,000, Barclay Cash Forward $16,500, Wells Fargo Rewards $12,500, Local CU $7000, Barclay Apple Rewards $5500, Chase Freedom $5000,-- EQ FICO 768, EX FICO 777, TU FICO 781
Message 3 of 13
Way
Contributor

Re: Secured Card with 650 Available credit. Can I rent a small car for 2 days with this card?

As long as it's a true secured card and not a prepaid card you will be fine.  Most companies will only hold the estimated total if you are using a credit card.  Specifically, I've rented through Hertz and Budget using cards with less availability than that. 

Home Depot - $14300 | Care Credit - $11000 | CCUFL - $10000 | Penfed - $7500 | BECU - $7500 | DCU - $7500 | Overstock - $7200 | Discover it Miles - $5500 | Amex Hilton Aspire - $5100 | Discover it Cash Back - $4200 | Cap One QS1 - $2000 | WF Cashwise - $2000 | Apple - $2000 | Citi AA - $1500 | Amazon - $1200 | Sync Car Care - $1200 | Amex Delta Gold - $1000 | Amex BCP - $1000 | Barclay's Apple - $1000 | Cap One QS1 - $850 | Lowes - $500 | Bealls - $350 | Kohls - $300 | Target - $300
Message 4 of 13
Way
Contributor

Re: Secured Card with 650 Available credit. Can I rent a small car for 2 days with this card?

Further, I've used a debit card with Budget, but they will hold $500 or the rental rate, whichever is greater.  This can vary by location...

Home Depot - $14300 | Care Credit - $11000 | CCUFL - $10000 | Penfed - $7500 | BECU - $7500 | DCU - $7500 | Overstock - $7200 | Discover it Miles - $5500 | Amex Hilton Aspire - $5100 | Discover it Cash Back - $4200 | Cap One QS1 - $2000 | WF Cashwise - $2000 | Apple - $2000 | Citi AA - $1500 | Amazon - $1200 | Sync Car Care - $1200 | Amex Delta Gold - $1000 | Amex BCP - $1000 | Barclay's Apple - $1000 | Cap One QS1 - $850 | Lowes - $500 | Bealls - $350 | Kohls - $300 | Target - $300
Message 5 of 13
bcrawl
New Member

Re: Secured Card with 650 Available credit. Can I rent a small car for 2 days with this card?

Thanks for the reply guys. The reason I asked was I was looking through online deals and they have clearly mentioned that it has to be a credit card.  I dont have an option to talk to anyone at the enterprise. It said, book now, and show ur credit card and details at pick up. If they placed a hold of greater than 650, I would be in trouble. I did not want any surprises as such when I did land. I dont know, I guess I will wait and see and if it works I will update this post for others.

Message 6 of 13
Way
Contributor

Re: Secured Card with 650 Available credit. Can I rent a small car for 2 days with this card?

Are you over 25?  That is the only other snag I could see....Some agencies won't rent under 25 at all and others have large surchages for drivers under 25.

Home Depot - $14300 | Care Credit - $11000 | CCUFL - $10000 | Penfed - $7500 | BECU - $7500 | DCU - $7500 | Overstock - $7200 | Discover it Miles - $5500 | Amex Hilton Aspire - $5100 | Discover it Cash Back - $4200 | Cap One QS1 - $2000 | WF Cashwise - $2000 | Apple - $2000 | Citi AA - $1500 | Amazon - $1200 | Sync Car Care - $1200 | Amex Delta Gold - $1000 | Amex BCP - $1000 | Barclay's Apple - $1000 | Cap One QS1 - $850 | Lowes - $500 | Bealls - $350 | Kohls - $300 | Target - $300
Message 7 of 13
bcrawl
New Member

Re: Secured Card with 650 Available credit. Can I rent a small car for 2 days with this card?

I am over 25. I also have my own comp + collision insurance. Fingers crossed!

Message 8 of 13
HoldingOntoHope
Valued Contributor

Re: Secured Card with 650 Available credit. Can I rent a small car for 2 days with this card?

Actually Enterprise in my local area will rent with a debit card. They just require a proof of residence (such as a utility bill) and two references. I'm not sure what the hold amount is. I know that they only held $300.00 on my CC for a week long rental that was to be about $250.00 with no extra fees.

Best financial advice I ever got: "Just imagine what an adult would do and do that."

Starting Score: 500's
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Message 9 of 13
shakalaka
Established Contributor

Re: Secured Card with 650 Available credit. Can I rent a small car for 2 days with this card?

I did rent with a secured CC from different providers. As long as your limit is sufficient, all is good.



FICO (TU/EX/EQ): 773/766/778 - Total CL 255+K
Message 10 of 13
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