Cash/debit Card Customers

[batserve]

Originally Posted by Unregistered

"Part of the problem is that banks do everything they can to convince their customers that debit cards are indeed the same as credit cards.

And a lot of the folks who use debit cards often either 1) don't know the difference or 2) so shocked someone gave them a piece of plastic with numbers on it that they feel now they have finally made it to the world of entitlement."

Not only do banks try to convince their customers, those bank employees actually believe this in most cases, despite the notices to the contrary on the card. If you know precisely how the debit card transaction works, when used in the credit card merchant process, go down to a bank branch and talk to the branch manager. Ask the manager if you can use your debit card to rent a car just like you can use your credit card. The answer will be yes. Then ask if the deposit/authorization hold will be removed from the account in the same way that it is removed from a credit card account. Again, the answer will almost always be...yes, just like your credit card. The manager will be wrong. Bank branches don't know anything about debit card transaction processing. Merchants who accept credit/debit cards have contracts with the credit card company and a third party processor. The third party processor, in most cases, establishes the rules the merchant must follow. In the case of debit cards, the issuing bank establishes the rules concerning the release of unused funds on the original hold on the account. The bank rules for car rental holds are different from any other transaction they process and the branch managers just don't know it. Customers are only listening to the person whom they assume knows the most about the card, namely the manager of the issuing bank. The truth is, a csr/mt knows more about it, but a customer is never going to believe that. The blame for customers believing this stuff lies with the banks.

Originally Posted by Unregistered

Next time don't be so F*** lazy and have your father make sure he has the card out and he can present it right when they ask for it. Then this wouldn't be a problem and you wouldn't be launching a racist probe against ERAC because your dad couldn't find his card at first.
Enterprise kept their part of the bargain, and that was their policy to have a credit card swiped. You were the one changing your end of the bargain until your dad found his card. Next time don't look to hid behind race. That will get you know where you should be ashamed of yourself.

Learn to read, mouthbreather. I bet you are one of the dweebs who waits until the "Fasten Seatbelt" light is on to decide to go the the lavatory, or who pushes on the door that says, "PULL".

*I* provided the card for them to swipe. My father was to be an additional driver on the car that *I* was renting, AND which the racist behind the counter had already agreed to by phone the previous evening by presenting us with TWO options. 1) I stay as the primary driver, add my father as a second driver and pay an additional $5 a day, or 2) my father rents the car with his card and him as the primary driver at the same rate. UNTIL he saw us. After that it was one excuse after another, even when presented with a valid credit card from the primary driver (me).

I didn't make excuses for the customers who gave you a hard time when they didn't meet the credit card standard, but it takes a racist to make excuses for another racist. Looks like I found another one.

Originally Posted by slave no more

I feel for yo uin this situation because the employees did the right thing but they did not explain it correctly. Main drivers need to qualify to rent. ADDITIONAL drivers need to qualify in the same manner as main drivers otherwise people with great credit would rent for their deadbeat relatives (not saying you) and that is when rentals go shitty. The way I would put it is if the add driver could not rent on their own then they cannot be add drivers. Simple as that.

If this is true, it certainly wasn't explained this way.

Why would this cause a rental to "go shitty" though? If a person who qualifies signs the contract stating that they are responsible for the rental and has a family member as an additional driver, what's the problem?

[Robert]

Originally Posted by Unregistered

Learn to read, mouthbreather. I bet you are one of the dweebs who waits until the "Fasten Seatbelt" light is on to decide to go the the lavatory, or who pushes on the door that says, "PULL".

*I* provided the card for them to swipe. My father was to be an additional driver on the car that *I* was renting, AND which the racist behind the counter had already agreed to by phone the previous evening by presenting us with TWO options. 1) I stay as the primary driver, add my father as a second driver and pay an additional $5 a day, or 2) my father rents the car with his card and him as the primary driver at the same rate. UNTIL he saw us. After that it was one excuse after another, even when presented with a valid credit card from the primary driver (me).

I didn't make excuses for the customers who gave you a hard time when they didn't meet the credit card standard, but it takes a racist to make excuses for another racist. Looks like I found another one.

You might be high risk.

[slave no more]

Originally Posted by Unregistered

If this is true, it certainly wasn't explained this way.

Why would this cause a rental to "go shitty" though? If a person who qualifies signs the contract stating that they are responsible for the rental and has a family member as an additional driver, what's the problem?

The problem is that ERAC has qualifications in order for people to rent for security reasons. They are basically giving you a 10, 20, 30 40 thousand dollar car for the swipe of a credit card and a handshake. If they were to allow people to just rent cars for people who do not qualify then the original qualification reasoning goes out the window. Don't qualify to rent a car because you cannot afford it? Then have your cousin do it for you and then you magically are qualified. And who is say who is family? How do we know he is your father? He could have the same last name and be some random black guy you met who found out you had a rentla AND the same last name. The way they get away from being racist is by being consistent and setting up unbiased rules such as if you don't qualify to rent you don't qualify to be an additional driver. This was probably the only rule that ERAC got right when it came to renting a car. And in my opinion people who make excuses like race for not being able to do something either don't understand, aren't fully informed or are just looking for a cop out. Maybe there was racism involved, who knows but one thing is for sure from what you described the rep who stopped you from having your "father" be on the rental actually followed correct procedure. They should have told you about needing to qualify the additional driver when you called the day before. That is were the mistake was made.

And just because family rents for family does not mean that it won't be a bad rental. Trust me when I say family is the worst when it comes to renting a car for. Cousins, parents even children take advantage of their own families. Lucky for you there isn;t that issue but believe me when I say it happens more than not.

Originally Posted by Unregistered

Don't be a clueless idiot.

I had my debit card stolen a couple of years ago and the bank caught it when it was used AS A CREDIT CARD (they didn't have my PIN number) to charge over $1500 at a casino in Las Vegas. They paid the money but called me when they noticed that wasn't part of my normal pattern of spending. I checked and realized the card had been stolen, and had it cancelled, but that was too late to stop that first charge.

If you debit card says VISA on it with a 16-digit account number embossed on the card, it CAN be used as a credit card without the PIN. If it doesn't, it can't.

It isn't that a debit card can't be used a a credit card, it's just that Enterprise's computer systems will only read it as debit-directly withdrawling funds from said account. So it's just a different system not able to read a debit as both, unlike a gas station or Walgreens that give you the option.

[Dom182]

I hate to tell you this but that's not true. With the ERAC system you can authorize a debit just like you can a credit card but that is not the point of the discussion. Although a debit card can be used like a credit card it is not a credit card. It is a form of direct access to funds deposited into an account. Not a line of credit provoided through a credit company. Everyone seems to get hung up on the Visa logo. The Visa system simply provides the mechanism to charge the card. They do not issue it. Your bank does, again based on your checking account not an established line of credit. You can get overdraft protection on the debit card which touts itself as a line of credit but isn't. A debit card is issued without a credit check a credit card is issued only after a credit check.

[Jeahho]

Originally Posted by Unregistered

Learn to read, mouthbreather. I bet you are one of the dweebs who waits until the "Fasten Seatbelt" light is on to decide to go the the lavatory, or who pushes on the door that says, "PULL".

*I* provided the card for them to swipe. My father was to be an additional driver on the car that *I* was renting, AND which the racist behind the counter had already agreed to by phone the previous evening by presenting us with TWO options. 1) I stay as the primary driver, add my father as a second driver and pay an additional $5 a day, or 2) my father rents the car with his card and him as the primary driver at the same rate. UNTIL he saw us. After that it was one excuse after another, even when presented with a valid credit card from the primary driver (me).

I didn't make excuses for the customers who gave you a hard time when they didn't meet the credit card standard, but it takes a racist to make excuses for another racist. Looks like I found another one.

I think the racist in this situation would be the one who thinks that because the white guy behind the counter is following the rules he must be a racist.

Here is the rule... In order to be added to a contract as an additional driver you must qualify to rent the car yourself. In this case, qualify would mean having a major credit card. Not a debit card. Not a Sears card. Not an excuse about why the guy doing his job is a racist. A credit card.

Originally Posted by Unregistered

Learn to read, mouthbreather. I bet you are one of the dweebs who waits until the "Fasten Seatbelt" light is on to decide to go the the lavatory, or who pushes on the door that says, "PULL".

*I* provided the card for them to swipe. My father was to be an additional driver on the car that *I* was renting, AND which the racist behind the counter had already agreed to by phone the previous evening by presenting us with TWO options. 1) I stay as the primary driver, add my father as a second driver and pay an additional $5 a day, or 2) my father rents the car with his card and him as the primary driver at the same rate. UNTIL he saw us. After that it was one excuse after another, even when presented with a valid credit card from the primary driver (me).

I didn't make excuses for the customers who gave you a hard time when they didn't meet the credit card standard, but it takes a racist to make excuses for another racist. Looks like I found another one.

Once again you've proved your ignorance. Now you are calling the guy a racist because it took your father a while to find his credit card. But I don't think its about credit cards.......you seem to be very inclined to play the race card. Well I'm not falling for it I know I'm not a racist so don't try to win an arguement by calling me a name.
This is why I left ERAC customers saying " Your not renting to me because your a racist." but meanwhile they have no form of payment and their licens is expired. Your no better then them for calling me that.

I always laughed when customers called me a racist. Stop blaming your problems on the white man. Slavery ended over 150 years ago.......move on jackass!!!!