Can I get plane tix/hotel with Visa/Debit card?

[Tom_Mi]

Hi All,
I filed on Dec 12, and the 341 is on Feb 4th.

Just found out I'll need to fly to a client site for a few days, and will have to buy a plane ticket, rent a car, and a few days in a hotel.

Do you think my Visa-Debit card will work ok for travel? It works everywhere else I use it.

[optimistic1]

No reason why it should not, unless you dont have money in the checking/savings account.

I use my visa debit for everything just like a credit card.

[Tom_Mi]

great, thanks. Yes, there's plenty of money... I just didn't want to be in another state and be told I have no hotel room or car.

[optimistic1]

Sometimes there are certain companies, that might botice it is a debit card, and they might have a problem with it. Others may not even notice it and treat it like a credit card, and not say anything.

If you encounter problems, just try hunting around, or call them in advance and ask them about it to see what their policy is before you do anything.

[soleprop]

i always use the 'credit' button at the stores, too, with my debit card. never had an issue (as long as there are funds in the acct). i've found that the debit function on some of those readers can be dicey and i don't like to hassle with it.

[dingdong]

Just a note, sometimes Hotels pre-authorize your account for more than the actual charge of your room, to make sure incidentals and longer stays are covered. The charge doesn't actually post to your account, unless you happen to use some of the services, but you would know what the charge was at checkout. Once the hotel checks you out and the balance is only for the room charge, the excess autorization amount goes bank into your account in a few days once they send their CC batch settlement.. ( Kind of a safety measure for businesses of that nature, retaurants do it too, preauthorize for 20% more to account for a tip) So lets say you booked a room for 200.00, and you had only 250.00 in your checking, your card may be declined. Not an issue at all if you have a large balance in your checking account to cover all expenses plus some.

[monkatom]

When i used a debit card at hertz then ran a credit check on me. Not sure why and i had the BK but they still loaned me the car.

[catleg]

My experience with using my bank check card as a Visa is that the "hold" doesn't always go away when the transaction posts, so I have twice the money frozen for a while, but the authorization disappears after 7 days.
You may have an issue with rental cars, it might make sense to join one of the frequent renter programs so they "know" you a little bit better.

[debtmonster]

I was able to use my debit card to get a plane ticket and car rental, but when I got to the hotel I was staying at, the card declined. The company put a "hold" on the card since I was spending large sums of money in different cities. I had to call the bank when I got to the destination to get them to release the hold. I didn't have any credit cards back then.

[relief13035]

A credit card authorization will be placed all hotel stays. At check-out your card will be incremented for the actual charges., The hotel settles each days credit card batches during the night auditors shift (usually after midnight), the additional hold will be released within 3-7 days. There is absolutely NOTHING that the hotel can do to release the authorization any sooner. Believe me - I deal with this on an everyday basis.

[JRScott]

I work at a hotel, a debit card with a VISA logo works fine in our system, just like a normal VISA credit card, I don't see any trouble there.

[deadbroke99]

A credit card authorization will be placed all hotel stays. At check-out your card will be incremented for the actual charges., The hotel settles each days credit card batches during the night auditors shift (usually after midnight), the additional hold will be released within 3-7 days. There is absolutely NOTHING that the hotel can do to release the authorization any sooner. Believe me - I deal with this on an everyday basis.

I actually had the conceirge (however you spell it) release a hold once.They called the credit card company and released it. I only had enough credit to cover my room charges and tickets I was going to buy while in town. I checked into my hotel (OMNI hotel in Atlanta) then went to buy the City Pass tickets at the CNN tour and it was declined. I called my credit card company and they told me it was because the Omni put a hold of an extra $200 on my card above the room costs. I was mad since before I always had plenty of available credit and never ran into this. I called the conceirge and told them I wasn't using any of the extra's and I wanted the hold released. They called my room back in 15 min and it was released. This was last summer. Our last vacation---taking kids to the zoo, cnn tour, coca-cola musuem, aquarium...etc.

[Doghouse]

I am yet to file but just returned from a trip abroad on a personal basis (not vacation but not business either). My sibling loaned me the money ($2500). To avoid any potential problems with my filing (plan to file bk in March), I had her send me the money by Western Union. Then I bought a Netspend debit/credit card and had all the funds deposited into the card at the WU location. The card is activated and can be used immediately at any ATM machine. I then bought my airline ticket and hotel with the card about one hour later on Expedia. After a week or so, Netspend then sent me a permanent prepaid debit card that can be reloaded anytime and as often as I want up to $10,000. When I was abroad, I was able to use the original card at any ATM machine with the Visa logo. So I was able to avoid having cash withdrawals showing up on my bank statements. And no connection to the fact the I even travelled. And yes, my sibling has no problem with me paying her back anytime I can in installments or in full AFTER I have filed for BK.

[nervousss]

I only ever use my debit card to buy things like this. I have not used my credit cards in years. As long as it has a MasterCard or Visa logo on it, you can use it anywhere those credit cards are accepted.

[TEW]

I am yet to file but just returned from a trip abroad on a personal basis (not vacation but not business either). My sibling loaned me the money ($2500). To avoid any potential problems with my filing (plan to file bk in March), I had her send me the money by Western Union. Then I bought a Netspend debit/credit card and had all the funds deposited into the card at the WU location. The card is activated and can be used immediately at any ATM machine. I then bought my airline ticket and hotel with the card about one hour later on Expedia. After a week or so, Netspend then sent me a permanent prepaid debit card that can be reloaded anytime and as often as I want up to $10,000. When I was abroad, I was able to use the original card at any ATM machine with the Visa logo. So I was able to avoid having cash withdrawals showing up on my bank statements. And no connection to the fact the I even travelled. And yes, my sibling has no problem with me paying her back anytime I can in installments or in full AFTER I have filed for BK.

make sure it's after you are discharged and there should be no problem using your bank account as normal. You are not in debtor prison.
They are not looking at what you spent your money one. they are looking for Preferential payments ect. You will also need to include your relative in your BK but you can pay after the discharge.