U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > General Forums > Travel
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
 
Old 02-10-2010, 08:03 AM
 
Location: Sloooowcala Florida
1,393 posts, read 2,651,832 times
Reputation: 1200

Advertisements

Why wouldn't the overdrawn debit charge be processed as usual and the customer be charged the overdraft fee by the bank?
Reply With Quote Quick reply to this message

 
Old 02-10-2010, 09:33 AM
 
269 posts, read 797,287 times
Reputation: 159
I use my check card for everything. Never had a problem at any hotel and I used to travel a lot for work. I've seen it where the hotel would either hold the money or charge it up front and give any credits at check out. Either way if you have the money on the card you should be good.

However I'd run into problems using smaller rental car companies, larger one's would pull my credit and make sure everything was in check but if you have bad credit then that's not an option. I do think the whole credit card requirement for things is BS and just leads us into the debt problems we're in.
Reply With Quote Quick reply to this message
 
Old 02-10-2010, 09:37 AM
 
9,912 posts, read 12,472,025 times
Reputation: 7280
Quote:
Originally Posted by marmac View Post
Some motels won't even accept cash anymore.
Yes! And it's the MOST RIDICULOUS thing I've ever had the misfortune to come across.
Reply With Quote Quick reply to this message
 
Old 02-10-2010, 09:38 AM
 
Location: Frankfort, IN
111 posts, read 399,497 times
Reputation: 52
Quote:
Originally Posted by smartygurl View Post
Why wouldn't the overdrawn debit charge be processed as usual and the customer be charged the overdraft fee by the bank?
It probably varies from bank to bank, but if I don't have the money in my account, my debit card will get denied. Say I have $300 in my account and try to charge $325, it will get denied. If I have $300 and try to charge $195, it will get approved. If I have $300 in my account, have outstanding transactions of $150 and then charge $195 to my card, my card will get approved, but I'll get the overdraft when the outstanding transactions go through. It would all depend on when your other transactions go through on whether or not you'd get hit with the overdraft.

In the hotel scenario, lets say you stay say Friday through Tuesday and they pre-authorize you for $500 on your debit card, and you have $750 in your account. You're still theoretically free to use all $750. If you go charge $300 at restaurants and shows, then that cuts you down to $450, which is less than you'd owe the hotel. If your restaurant and show charges go through the system before the hotel actually charges you, then the hotel will be denied once they try to charge your card. If the hotel charges you before those other charges go through, then the hotel will get approved too, but you'll get the overdraft fee on the other charges.

Keep in mind, debit cards don't always deduct from your account right away. If it's a PIN transaction, it's usually pretty quick, but if you're at a restaurant and just have to sign, it may take a few days to come out.
Reply With Quote Quick reply to this message
 
Old 02-10-2010, 09:40 AM
 
Location: Frankfort, IN
111 posts, read 399,497 times
Reputation: 52
Quote:
Originally Posted by SLippi View Post
I use my check card for everything. Never had a problem at any hotel and I used to travel a lot for work. I've seen it where the hotel would either hold the money or charge it up front and give any credits at check out. Either way if you have the money on the card you should be good.

However I'd run into problems using smaller rental car companies, larger one's would pull my credit and make sure everything was in check but if you have bad credit then that's not an option. I do think the whole credit card requirement for things is BS and just leads us into the debt problems we're in.
Yes as long as the money is in the account, you should be good. Just make sure that you do have your account balances right and know what you can spend without cutting into what you'd owe the hotel.

Last edited by mdlee3; 02-10-2010 at 10:16 AM..
Reply With Quote Quick reply to this message
 
Old 02-10-2010, 11:55 AM
 
9,807 posts, read 13,455,895 times
Reputation: 8158
Quote:
Originally Posted by Buns View Post
Very true. My Resort doesn't not accept cash...we just highly discourage it. And...we'll typically only accept cash as a full payment at the time of check-out...never at check-in. We always require a credit card on file at check-in(or debit card, in some cases...).
Yup, I ran into that problem at Mobley Missouri one night.

The elderly gentleman at the desk said they needed a credit card at check-in to cover in case the wife and I trashed the place.

Being we are both 64, I suppose we were viewed as most likely suspects to trash the place.

Next trip, we will stop for a motel earlier so if they refuse cash we can tell them they can keep their vacant room and we will look elsewhere !
Reply With Quote Quick reply to this message
 
Old 02-10-2010, 12:22 PM
 
50 posts, read 539,063 times
Reputation: 65
Quote:
Originally Posted by smartygurl View Post
Why wouldn't the overdrawn debit charge be processed as usual and the customer be charged the overdraft fee by the bank?
There is a difference between a hotel pre-authorizing a charge and actually charging.

Quote:
Originally Posted by mdlee3 View Post
It probably varies from bank to bank, but if I don't have the money in my account, my debit card will get denied. Say I have $300 in my account and try to charge $325, it will get denied. If I have $300 and try to charge $195, it will get approved. If I have $300 in my account, have outstanding transactions of $150 and then charge $195 to my card, my card will get approved, but I'll get the overdraft when the outstanding transactions go through. It would all depend on when your other transactions go through on whether or not you'd get hit with the overdraft.

In the hotel scenario, lets say you stay say Friday through Tuesday and they pre-authorize you for $500 on your debit card, and you have $750 in your account. You're still theoretically free to use all $750. If you go charge $300 at restaurants and shows, then that cuts you down to $450, which is less than you'd owe the hotel. If your restaurant and show charges go through the system before the hotel actually charges you, then the hotel will be denied once they try to charge your card. If the hotel charges you before those other charges go through, then the hotel will get approved too, but you'll get the overdraft fee on the other charges.

Keep in mind, debit cards don't always deduct from your account right away. If it's a PIN transaction, it's usually pretty quick, but if you're at a restaurant and just have to sign, it may take a few days to come out.
Very well said!!


Quote:
Originally Posted by marmac View Post
Yup, I ran into that problem at Mobley Missouri one night.

The elderly gentleman at the desk said they needed a credit card at check-in to cover in case the wife and I trashed the place.

Being we are both 64, I suppose we were viewed as most likely suspects to trash the place.

Next trip, we will stop for a motel earlier so if they refuse cash we can tell them they can keep their vacant room and we will look elsewhere !
64-Year-Old Married Couples are our #1 Suspects when it comes to damaging our rooms ! Just Kidding...but of course you never want to ASS-U-ME anything, right....because you just never know! We certainly don't want to be accused of Age Profiling or anything! Just because you're 64 doesn't mean you don't still know how to party and trash a hotel room!
Reply With Quote Quick reply to this message
 
Old 02-10-2010, 06:28 PM
 
9,912 posts, read 12,472,025 times
Reputation: 7280
Quote:
Originally Posted by marmac View Post
Yup, I ran into that problem at Mobley Missouri one night.

The elderly gentleman at the desk said they needed a credit card at check-in to cover in case the wife and I trashed the place.

Being we are both 64, I suppose we were viewed as most likely suspects to trash the place.

Next trip, we will stop for a motel earlier so if they refuse cash we can tell them they can keep their vacant room and we will look elsewhere !
Yeah, that's pretty much how I viewed it when I came across it too.

Given my age and the kinds of hotels/motels I book I hardly think they're going to lose a TV out the window or have the chandeliers ripped from the roof by me swinging on them.

I informed the desk clerk at the last place that next time I was in the city I wouldn't be staying there NOR would I recommend the place to friends, none of whom are prone to fits of destruction of property either.
Reply With Quote Quick reply to this message
 
Old 02-10-2010, 11:10 PM
 
Location: West Michigan
654 posts, read 3,107,768 times
Reputation: 567
I can understand as far as preauthorizing the hotel cost regardless of what card is presented. That's why I feel when it comes to hotels, it makes sense to just have a card just for that purpose only, and use a different card for regular stuff. At least in that way you won't have to worry about being tempted to use the card reserved just for the hotel. So, if the money was tied up for hotel charges (using a debit card) it won't matter because you already have a different card to use for immediate purchases. As long as there is enough money to cover the time of stay, then there should be no problem whatsoever.
Reply With Quote Quick reply to this message
 
Old 02-11-2010, 07:16 AM
 
Location: Beautiful New England
2,412 posts, read 6,466,896 times
Reputation: 3054
Quote:
Originally Posted by moonshadow View Post
I informed the desk clerk at the last place that next time I was in the city I wouldn't be staying there NOR would I recommend the place to friends, none of whom are prone to fits of destruction of property either.
Since probably 95+% of people who travel have a credit card, this was likely a threat that carried zero fear. Most people who do not have a credit either have really bad credit (and thus have lost any money they may have had) or they had no money to begin with. And these people tend not to do much non-auto travel. Sure, there are a very few exceptions, but they're not enough to worry about from a business perspective. Road warriors and other frequent travelers know that having a credit card is effectively required to make air, hotel, and rental reservations. People without credit cards just don't do these things much.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:


Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > General Forums > Travel
Follow City-Data.com founder on our Forum or

All times are GMT -6.

2005-2019, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top