Aside from getting arrested for legitimately renting Hertz cars Hertz has also reported stolen, has anybody done price comparisons and found Hertz to be within rational pricing range?
Hertz said they would run a soft credit check. George did not ask how that would affect him with no score. Also, my daughter worked for Enterprise for years. They will rent with a debit card, but if they are low on cars, those with a credit card get priority.
Yep, and many moons ago, we did run credit checks on everybody whether we openly said so or not. Not sure if they still do, but I wouldn’t be surprised, and the manager DID prioritize people and cars. Debit card would go to bottom of list. What we said to customers was not, necessarily, what we did. It’s high pressure, or at least was, on employees.
I suppose if you have a "zero" or unable to calculate score - you're ok. But a lot of their audience is actively paying off debt and has a bad credit score.
Of course he didn’t. That wouldn’t have fit his agenda 😂. Ps I like George and I think telling people not to use credit cards only does good and does no bad but I think for the purpose of this experiment, he should have asked them the same questions as the other companies
I agree with most of Dave Ramsey's financial advice, but I keep one credit card from my credit union for reasons like this. I've not paid any interest on it in many years. I usually pay the balance of a purchase even before I make the purchase, so no balance, ever. George is not being fully honest in this clip. Hertz runs a soft credit check that he didn't address and that will be a problem as well as the 24 hour advance reservation in addition to the extra paperwork and ID requirements, which won't work if you fly into town without that and need a car right away at the airport.
20 years ago I got a great deal from Hertz online to rent an economy car at Chicago OHare. I double checked their debit card policy before I left. Phone rep said I was good to go. When I flew in, the airline had lost my luggage. I took the shuttle to Hertz, and the lady told me they were NOT going to honor the deal, and did NOT accept debit cards. I walked over to the National Rent a Car office, and waited in line. Chatting with the others, there were 2 people who had the same issue with Hertz. The National manager and staff were so kind. They told us they would match the Hertz special rate, and let us choose ANY car in the lot that we wanted. Alamo/National is always my first choice when I rent a car.
Good Story, i am in Brazil and when I returned from the USA I had VISA issues that prevented me from returning. I learned that it is not so much who you talk to or read before the trip, but the understanding of the Agent you come in contact with at Customs or the Car Rental Desk. They are the ones that are physically blocking you.😎
I love George and his content, but if I’m being honest this video has convinced me even more of the benefits of credit card. I’m not bringing a copy of my water bill to rent a car.
@@PAresident93Plus now the company basically has direct access to your bank account. At least with a credit card I can dispute it without any impact to anything else. This no credit card thing is a good idea for someone with zero control, but for folks who pay off every month and get cash back, rewards, extra insurance, and extra security it just seems stupid.
Ive been refused MULTIPLE TIMES at airports with a debit card. Hilariously it was also at the Knoxville airport. They all said on the phone that they'd accept one, but once I was there, they outright refused.
Thanks for sharing. This is a big point if they say on the phone they do but in person they DO NOT. Very poor on the part of the rent companies at Knoxville!
Because they can only charge what is on your debit card but they can fucking max your credit card and destroy your credit in the process. It is so if you steal the car or something they get something back.
You can rent with Enterprise with a debit card at an airport as long as you have a returning flight. If you don't have a returning flight, it's company policy to have a credit card with an out of state license. Also limits your vehicle choice with a debit card. Certain car classes require major credit cards like trucks and large SUV's.
I rented from Budget years ago using a CC. About 3 months later, I received a $5500 bill for hail damage that did not occur while I rented the car. I contested and won, but it would have been 100x more stressful if they had my bank account info. I now also always take a video of the rental at pickup and drop off.
I'm not dealing with car and hotel rentals without a credit card. The amount of money they want to hold is outrageous. Plus I've had too many issues with hotels and rental car places double charging as well. Last hotel put a pending charge on my card for over a month which is outrageous given I prepaid the entire stay.
It's the same day. I'm out of money to be temporarily held when you use a credit card If you have that much spending room when it comes to debt, then you should have that much spending room when it comes to having actual money. And then you don't need a credit card
And in that exact scenario of the store you stated, most hotels don't put some. Type of pending hold or charge on any type of card for that long I recommend you investigate to ensure you are not double charged
@@scarling9367 And if that whole fee persist, it can still cost you more money on that credit card. I guess chances are you're dumb. Ass will not pay it off in full when the bill comes due. Just like literally eighty nine plus percent of all americans There is no justification for using a credit card overpaying. Direct cash for something it's really that simple
Hey George? That was a pretty slick way of glossing over the fact that you would absolutely be denied at Hertz. A soft credit check is REQUIRED. Which means, if you "don't have a credit score, because I don't have any debt", DENIED. But you failed to mention that multiple times, instead intentionally leaving that out when you did the Hertz summary. Isn't there something in the Bible about lying and bearing false witness? This is the one major issue I take with the Ramsey system. It's about discipline, and being able to use the tools at your disposal to your advantage.
Fully agree. I understand their stance is to stay away from credit cards since most of their viewers are bad with credit cards, but this whole "credit cards are the devil, you'll never be successful if you even have one you don't use" is such nonsense. To financially literate people, it kills their authenticity as they fight to try to prove why they're right (like in this video) and they fall flat on their face. Someone's who's disciplined enough to jump through the dozen hoops to rent a car is disciplined enough to have a CC with a $1k limit that'll give them a good credit score.
I work for a bank. I have people call in and say they have issues constantly with renting cars with a debit card. Cliff notes version if you absolutely have to rent a car with a debit card, DO NOT LEAVE without a copy of the receipt and your terms of service agreement. Disputes are filed on these transactions constantly and you need to protect yourself with your paperwork! The funds on your debit card is your actual money. If what gets frozen is needed for bills, #1 you shouldn’t be renting a car or going on vacation, but #2 that refundable deposit they tell you about can take a week or more to return back to you AFTER you give the car back.
I’m actually mad about this now: my husband and I are going out of town for a ministry conference. We booked online a rental (because his 2002 Silverado isn’t going to make it). With PLENTY of room on our debit card, we were just refused the car because of his equifax. So no, I am fully convinced you NEED a credit card.
Not worth the hassle, just get a CC. “I’m against debt”. Yes but having one CC for these situations to make life easier and then you pay it off really isn’t a big deal.
You make it sound so easy and maybe for you it is. But there is a reason the credit card company makes billions most people have no business using a credit card and don’t pay it off every month.
@@CTity860 Yeah, and its because they are generally using it to buy things they can't afford. It's actually incredibly easy, but most people just don't have enough self discipline or self control to not buy shit. The only time I give people a pass is the 1% of people who lost their job and were living pay check to pay check while buying only necessities. Those people at least have an excuse. The other 99% are just people who have zero self control.
Hertz 100% won't rent you a Car with a debit card without a soft credit check. If you have no credit you get no car. Love how George glossed over this.
He didn’t gloss over it. He said low scores will hurt you but no score won’t. Now if he’s right about that or not I have no idea, but he did mention it.
@@saulgoodman2018 That sentence makes no sense. Do you know what “no score” means? That’s like saying having no police record at all must be worse than having a slightly bad police record.
Definitely playing life on “hard mode” just because you don’t want to carry a credit card or have a credit score. Yet getting a 15 year fixed loan from Churchill mortgage is acceptable.
Being told you can is different than doing it. Good luck when you get that one person that doesn't know the company process. Yes, I know this is a customer service issue, not a credit card issue.
@@amireallythatgrumpy6508 Now I’m convinced that you’re trolling, just following me around in comments sections saying the dumbest shit you possibly can.
I'm a car rental franchise owner. I do indeed turn down many people who either have no credit or insufficient credit and are using debit cards. Our airports do not take debit most days of the year and definitely not on one way rentals.
@src4409 Its not Enterprise they are who I revert customers to using debit cards. Airports are very strict in busy cities as to debit card acceptance....the folks he talked to are 90 percent the customer service team and they lie or feed general statements having never rented a car in their life.
He travels a lot so he obviously rented a car multiple times with debit card. The whole Ramsey Solutions team wouldn’t be able to travel cross country if that’s not true.
@@src4409So my buddy is a district manager for one rental company now and has had similar roles at 3 other rental companies. 3 national companies and 1 smaller company. None of the 4 will rent out to you with just debit.
I truly don’t remember the last time I used a credit card. But what I gather from this video is that it is possible with lots of planning, extra money on hand for higher deposits, and additional documentation. So if I am planning a vacation I should be fine. But if I have to travel last minute for something like an emergency or a death in the family I could be heavily delayed at best or not get a car period.
I showed up to an annual, hard-to-get-into event where all hotels were super overbooked and they wouldn't give me my room without a credit card. As a Ramsey guy I pushed back and looked for loop holes and workarounds. Offered cash, etc. They were happy to cancel and give my room to someone else (for double $) if I didn't have a credit card. I'm all in on debt-free living, and I'm all in on debit card only for everything I do, and I give 2 squats about points or air miles. Don't want 'em. But I'm not gonna fight the whole country's belief in credit cards and treat it like a personal victory.
The Ramsey advice of no credit cards is kind of ridiculous, in this day and age. You almost have to have one, to live. I understand, some people just can't manage credit cards, but you can specifically request one low-limit card and pay it off, monthly.
@@TheyRiseBandnope. You don't need one. I've rented cars, bought plane tickets, traveled internationally, rented hotel rooms, rented Air BnBs, even bought groceries and gas for my cars....all without a credit card. Last the doctor checked, my heart rate, oxygen, and blood pressure are good. So apparently I'm living...even without a credit card.
Teaching FPU and this came up last night. Someone tried to rent at enterprise with a debit card. He said he was denied not by the car company but by his bank that the card is tied to.
The real question isn’t credit versus debit. The real question, is what is holding you up from getting your financial life in order i.e. living on less than you make do a monthly budget, and being intentional about your spending if you’re doing those things, it doesn’t really matter whether you’re using a debit card or a credit card.
Yeah I agree with that, I think credit cards are a net negative on society, but I’m not hardline against them or people that use them when it’s being well managed. I also think that anyone truly struggling with credit card management shouldn’t worry about cutting them up and losing out on slightly easier transactions, they aren’t in a position in life to buy renting cars and booking hotel stays anyway, go ahead and cut them up.
@@nodsib I'm not a huge fan of credit cards - I think they are predatory on poor people. But realistically, many people need to fly on an emergency basis to visit a sick or dying family member or they need to travel for a job interview or they regularly have to travel for work (and float expenses until their company reimburses them). Travel is not only done for recreational reasons - 100% of my travel this past year was done for work. I keep a credit card so that I don't have to hassle with things like obstinate rental car companies. Or pay higher car insurance rates. Or have a problem at my government job when they run a credit check on me as part of my hiring process. My routine purchases like utilities and gas go on the credit card and get paid off every month on auto draft. Interestingly, the Ramsey family doesn't take a hard line against gambling or drinking or things that most people do responsibly and a few struggle with addiction. I don't see why they can't advocate for responsible credit card usage so people can reap the advantages.
While I agree with the premise of the argument here, I know psychologically I would spend more overall with credit than with cash so that's why I chose to have debit over credit cause I'd rather have that extra money
I can’t imagine being so disciplined that you are willing to jump through hoops to get a rental car, but don’t feel disciplined enough to trust yourself to have a credit card for situations like this.
People forget that the main point of this is to help people stop being undisciplined with their credit card spending. These people lie to themselves and say they need it for car rentals, hotels, online purchasing. However they spend on other things and run up their debt. Next thing you know they have 20k in debt with 3 different cards. Of course you can be displined. Just like having a fridge full of ice scream, and pantry filled chips. You can I say "I'm disciplined, I only eat one or two a week" but the truth is, most people wont.
No, go do it in person. The wife and i had an issue at the Orlando Airport after i failed the "credit check". Good thing my wife had her cc that she dont really use.
Yes, if you jump through all of these hoops, don't need an SUV, and are not doing multi-city travel. You also lose out on the extra insurance from your credit card company (like loss of rental use after an accident-most standard car insurance policies don't include that unless you buy the coverage from the rental company)
So, in a nutshell the credit card makes things more convenient. If you're paying for things you're already planning on buying, like a car rental, then I don't see that as debt. Thats assuming you're paying it off monthly and spending responsibly. I'll keep my credit card.
My sister-in-law does not have any credit cards, and she came for a visit last Christmas 2022. Unfortunately, their car completely died while they were here and they needed to Rent-A-Car to get back home so her husband could return to work and the kids could go to school on time, etc. It took three trips to the airport, multiple rental car company counters, many tears later, and we finally had rented her car. I had to rent the car because I had a credit I let her use. It was the most frustrating thing ever. She was willing to give them a debit card, she had thousands of dollars in her bank account, but they would not accept it! The first company said they wouldn’t even talk to us anymore and we had to walk around and find others. Edit: her not having an actual flight for that airport was the big reason. It was the holidays and t there weren’t many rental car places open/or that had cars available. Such a mess!
It honestly sounds much easier to just have a credit card to rent the car lmao… bro when traveling with kids, the last thing you need is the rental car part of the trip to be this cumbersome…. You have so many other things going on that you’ll need to focus on. 😊
@@amireallythatgrumpy6508 well that’s a wild take lol. I’m guessing you parents never traveled with you as a child. Not even to go visit relatives? Travel doesn’t mean vacationing lol
You are soo right...travelled around the world with my familiy with 2 kids....and it is ridiculous to think you could do that easy without a credit card.
Based off this video, I must say it has actually motivated me to keep my credit cards even more. The convenience of having less documents, money, and time involved in getting a rental car seems pretty nice to me. Not to mention credit cards saved me 2k last year, all while only using them for necessities and paying them off with no interest. If I fell into the psychological trickery of buying more stuff because of using them, I would’ve gotten rid of them a long time ago.
Totally agree. If you are irresponsible with your credit card, what makes you think you'll do any better with a debit card. You'l just be hit with tons of overdraft fees. It doesn't depend on which type of card you use, debit or credit, it depends on the person that's using it.
I went to Enterprise and I used my debit card. I got my deposit back a few days after I returned the car. When I went there, the guy told me to use a cc but I said I don't own one, he was like okay, you will get your money back after you return the car. I was like okay. My boyfriend grabbed his cc and the guy was like it has to have HER name on it and what a gentlemen you are.
Lots of people have refuted what was said in this video and pointed out George skipping over the required credit score at Hurtz. What I’d like to point out is that on multiple points on the Ramsey show they say you shouldn’t have more than “a few hundred dollars” in your bank account. When they mention specific numbers it ranges from $200-$400. So, a $500+ hold on your debit card potentially would bust their taking point. I keep at least $1,000 (baby step 1) emergency fund in my bank account at all times. This ensures I don’t have to stress over paycheck planning or risking overdrafts. Car rentals are a normal thing that has to happen. If Ramsey truly wants to get people off credit they’ll need to partner with one of the big brands or make a fool proof guide. In addition to not treating callers as idiots for having $1,000+ in their non emergency fund accounts.
One reason to never have a debit card is theft. If someone gains access to your bank account with the physical card or by obtaining the info, you can be wiped out of everything and you are out of luck. That generally can't happen with a credit card, since the credit card will have a limit and will usually be monitored by the credit card company for unusual purchases or shipping addresses that don't match. Debit cards are the worst things you can have in terms of security. I've had credit card info stolen 3 times, but none ever went through. I know people with debit cards that had their info stolen and had their accounts wiped and lost their money. Debit cards suck for security. It's best to have a credit card and pay off every purchase as soon as it posts.
Ummm I have all that protection with my debit card they reimburse me if there's fraudulent activity and often send messages to ensure its me using my card....
@@richardripp1891 Have you put it to the test? Google it - you'll find all kinds of horror stories from people who were screwed over for months to get resolution from their banks.
All debit cards with the Visa or Mastercard logo (i.e. ALL of them now) have the same exact fraud protection as a Visa or Mastercard credit card. Report/dispute fraudulent charges and you'll get all the money back. Banks know this and they don't want to be left paying a fraudulent bill either, so almost all of them employ other "smart" technologies to block and shut down cards that are suspected of being stolen/breached and used for unauthorized charges. I've personally had this happen multiple times, and was thankful for the heads up. Debit cards are safe.
So.... you can make sure you always travel with a birth certificate, social security card, 3 utility bills, and $500 in cash.... Or you could just set your credit card to auto payment. I'm 40 and have never paid a dime in credit card interest. I've probably accumulated at least $10,000 worth of rewards. Not to mention most credit cards will include certain levels of travel insurance for car rentals/flights. George has a right to live credit card free- but you can't preach that credit cards are evil for everyone.
Funny, I've rented from enterprise in a few different locations and never had a problem with a debit card, didn't even ask for anything extra, just acted like it was normal.
I've read some comments on here about employees either not knowing they could or just not wanting to go through the process. I hope that was not the case, but many seem to have been able to. I can say I've been told no at two separate locations.
We ditched the credit cards in 2019. Rented cars, flew places, bought things. Still not missing that dumb payment. And when you’re spending YOUR money, you think twice before buying things.
Avoid hertz period. They are ALWAYS the most expensive. Years of calling around has taught me this. I even had AAA who partners with hertz for a discount and they were still more expensive than every other company.
So basically it’s kind of a pain and you need to bring other “documentation” and you have to call ahead and work through the phone tree. No thanks. CC are dumb… but phone trees are more dumb.
I tried renting with a debit card in Chicago in November 2023 and got denied at 5 different places. Zero tolerance there. I had booked ahead, too, but the issue was I was out of state. Everyone said it was a city policy. Granted, Chicago is the only city I’ve had this happen but it changed my itinerary dramatically.
George was a little nonchalant about having the deposit be a hold on the card. If you’re traveling and the rental car company, hotel and airline all put a hold on your debit card, that can add up quickly.
I was just going to say this. It's super difficult to keep that kind of surplus of extra cash for many people if it's a longer trip. Like $700 for hotel hold, $500 for car, so traveling with an extra $1200 in addition to the cost of a trip. I think he's out of touch with the laymen.
Yeah. When I worked in insurance even if we (the carrier) was paying for a rental, the client still had to put down the deposit and get it back when car was returned so I used to tell people to use a credit card if they had one so it was temporary hold instead of a cash deposit that you wait to get back.
@@MariaLopez-hk9mw So...about a 1/2 to month of household funds... if only I had 3-6 months in reserves. I'll agree that's a lot for "laymen" but I don't wanna be laid on. 😂
@@MariaLopez-hk9mwHe is just in touch with those who take their finances seriously and plan for their future. If you are maximizing your income and minimizing your expenses as well as following the 3-6 month savings rule then you will not have to use your fingers to point at why you can't do things.😎
Hi George, kudos on the content! To answer your question as you presented it, there is no reason why someone cannot live without a credit card. It is totally possible to conduct your life without one. However, if we change the question to why someone would still choose to use a credit card, this video illustrates that answer quite nicely: convenience. You pay a convenience fee to not use a credit card and only use a debit card. In the case of renting a car, it's a cash fee that you lock up in deposits and cannot use during your travels (between car rental and lodging you can easily lock up $1K+) along with a time fee that you pay with the extra steps in research, planning, documentation and budgeting. You'll also likely have to pay extra for the car rental company's insurance, which they often require for debit card rentals. Most credit cards will insure your car rental automatically. When using a debit card, you don't even get any moral return for this convenience fee you're paying. The credit card companies are still getting their cut of the transaction from interchange fees, albeit the fees are lower for debit cards, and the costs of the interchange and processing fees are baked into the price of whatever you're purchasing. So you're paying VISA and Mastercard whether you're using a credit or debit card. Cash or checks is the only way to sever your relationship with the big bad credit card companies. In summary, it makes sense for you to present the question in absolutes because when you account for nuance, one could argue that responsible and disciplined credit card usage (no annual fee/pay off every month/only use for benefits such as travel, rentals, lodging, electronics) makes for a significant convenience gain at the expense of credit card companies. Yes, you can do life without a credit card. Yes, it's a less convenient life. Yes, it's a more secure life if you lack discipline. Yes, just like it's possible to do life without a credit card, it is also possible to do life with a credit card such that cost is reduced instead of incurred. Discipline and risk management are our most powerful weapons, more so than a pair of scissors.
Yep. Well said. George has to follow the Ramsey model though and he’s out to prove a point. Their extreme advice really only applies to people in financial trouble who aren’t able to use a cc responsibly.
No annual fee cards most of the time are garbage. Credit cards with annual fees have perks or annual benefits that can outweigh the annual fee based upon one's lifestyle. It is more about the effective annual fee (according to one's lifestyle) that is key to a good credit card.
@@OhYeaMista 5% cash back gets you what at the end of the year? 4 or 500 bucks? On one annual fee card alone I get back over 7k in value. Much more return on spend. No annual fee cards can be good for those who don't travel, but the return on spend is meh.
I personally have been turned down numerous times with a debit card with plenty of funds. I got sick of it, so I just started using a credit card. When you're traveling and don't carry around all your documention, it's too much of a headache. That's a naw from me dawg. My time is worth more than the hassle.
George, although I too live without a credit card and have rented a car without one (and have had issues renting at times), there are several flaws in your video. Here are some of the issues I have had with rental car companies (after due diligence checking their debit card requirements). 1. The credit check that Hertz and others require. You state that they are looking for a low score, but I have been turned down at a rental car agency for having no credit score. 2. You threw yourself a softball with Enterprise. They are the most lenient with debit cards. All other companies of which I am aware have stricter policies (go Enterprise!). 3. The airport scenario. What are people supposed to do it they don't have a return travel itinerary? My family was once stranded when we were meeting for a family funeral. We all met at an airport part way to the destination coming from different states. The plan was to rent a car to drive to the funeral (in another state) and fly/drive our separate ways following the funeral. We thus had no return itinerary to *that* airport and were unable to rent. What would you do then? 4. You didn't actually rent a car in this video. Often times, the company policy on the website contradicts what the rep will tell you on the phone and contradicts what policy the company enforces at the counter. f you really want to prove your point, film a video where you 1. rent a car, 2. with a company other than Enterprise, 3. at an airport, 4. with no return itinerary. Or better yet, lobby car rental companies to revise their policies. Consumers have a voice, and the Dave Ramsey brand carries weight with it. We would all love to make this process easier!
You're point is valid, but is undermined by you not being honest that Hertz would not rent to you...."soft credit check" you wouldn't be able to rent from them. But you did prove you have other options.
Renting cars with a credit card is just easier. It's not worth the hassle for me to do it with my debit card. Plus there are more options on shopping around for car rentals using a credit card as not every car rental company takes debit cards. I pay off my credit card balance monthly anyway.
I use a credit card for my cell phone and other monthly bills just to have a credit score. Insurance and maybe to buy a house one day. My daily spending is debit card. With no other debt than credit card which is paid in full monthly my score is only 790. With over 160k in the bank I don't need credit. Still nice to have the option if I buy a house in the future.
thats crazy, I went to an Enterprise in NC with my then-fiance and they said we needed a credit card to rent a car and there were no other option. it screwed our trip up a bit
I always rent cars and book hotels via credit cards. Points aside if that’s not your thing, a lot of credit cards give you travel protections and rental insurance for free. Rental places are asking for 15-30 dollars a day for collision insurance
Unfortunately this happened at the Cincinnati airport to me. They refused the debit card and cash and said it was just their policy no matter what. I had to get a ride to a nearby town to find another rental place which allowed a friend of mine to pay over the phone using a credit card because that place also wouldn’t do debit or cash.
I actually just rented a car using a debit card with Enterprise in Orlando, FL and they did not require any deposit at all. I was charged only the cost of the rental. It is indeed possible!
Debit cards are dangerous because if someone gets a hold of it they can empty out your checking account and you’d have no legal recourse. But with a credit card your protected and can file a report with the police
How to make simple things complicated. In my opinion these scenarios are what credit cards are good for. Travelling. I used to only use a debit card and while on vacation to go visit my brother someone at the motel tried to charge a fraudulent charge on my debit card, the bank froze my card and it was an online bank so i had no branch to go to. That was less than 2 years ago so i immediately gave up my no credit card lifestyle at 50 years old. So big whoop i have a credit card. Its just like a debit card
I completely understand being against consumer debt, but the Ramsey team obsession against credit cards is just plain weird. Why go through all of this nonsense to rent a car or get a hotel room? Be a responsible adult, use the credit card wisely, pay off your card. Be a grown up- simplify your life.
Probably has something to do with the fact that credit cards ruin millions of peoples lives. Unfortunately more than half the country isn't responsible enough and credit card companies count on it.
Never once had a problem getting a car rental, apartment, or hotel, with no credit and I'm not even 25... Why would I choose to do something that I know even if I continued to not have would make me spend more money statistically when I would rather just have those funds...
It's so you don't rent a car, and just stay home and eat top ramen until you're a millionaire. 😂 J/K. I am less aggravated by the years I spent in credit card debt; as it was a learning curve on my bad behavior. I am more frustrated about the American dream of home ownership. The mortgage is far more aggregious in my book.
I don't have enough words to describe the amount of times I've experienced this. ALWAYS ALWAYS use a credit card to rent a card. In fact this is one of the only reasons I keep a credit card is for things like this.
So while it can be done Hertz sure has an extensive list of requirements in order to do so. And you still aren’t guaranteed to be approved after doing all the things in their list. I’ll stick with a credit card for car rentals.
This might be totally different in an emergency situation, ie; you can’t book ahead of time, and/or the rental agency doesn’t have cars available that qualify for use with only a debit card. I have definitely been in situations where without a credit card-I wasn’t getting a rental.
I tried to rent a car with a debit card, but because it was a 1 way rental nobody would rent to me without a credit card. Had to have someone drive 3 hours one way to pick me up and take me the 3 hours back to where I was going.
So it's possible to rent with a debit card, if we choose to trust that the staff at the desk will honour what we are claiming to have been told by customer service staff over the phone ahead of time (which I definitely have my doubts about). But it's definitely easier if you have a credit card. Much easier to carry a credit card (which can be easily cancelled and guarantees to make you whole in the event of theft or fraud) than carry a debit card, multiple forms of official ID, and utility bills, which can be used to steal your entire identity when some scumbag steals your bag at the airport. They can take all that stuff, use it to clean out all your bank accounts, and start taking out all sorts of scary debt in your name! Good luck fighting to get all that sorted out in under a decade, if at all. Just use a credit card, but be disciplined to pay it off every month and only use it when you need to for something like car rental.
I have no debt, but use a credit card for my daily expenses and pay off the balance at the end of the month. I have thought about switching over to only debit, but George proves in this video it is indeed an additional hassle to not have a credit card. Even if it were the case that spending with a credit card psychologically causes you to spend more. That additional cost is worth the convenience of not having to carry around my utility bill. Also, I hope George makes a video on this comment.
I believe that for the average person, they will spend more with a credit card vs a debit card. But if you are disciplined with your money and/or have a budget and live within your means, it makes mathematical sense to use a credit card. Problem is Ramsey Solutions aims at finding a one size fits all solution for a mass audience. Just like you, I pay off all my balances by EOM and don't carry debt. I redeem all cash back and dump it into low cost index funds and been doing that for years and has paid dividends.
No point in getting rid of useful tools just to do it. If a person has issues controlling their spending it takes work to get that under control chopping up credit cards is a short term fix (like throwing away all the booze to stop drinking) but doesn't fix the underlying problem which could be people viewing credit as available cash, which it obviously isn't! Good job being debt free
It just seems wired to add extra complexity into every transaction just to stand ground against credit cards. If you pay them off, take advantage of the insurance, cash back/rewards, discounts, and convenience. Use debit if you like it, but keep a credit card for only complex scenarios. Why make life hard, when it can be easy?
Honestly because what you’re saying is idealistic, not realistic. I don’t ever ask someone if they pay off their credit card every pay period cause most people lie anyway. But I’ve known many people who had a credit card “just for gas” or “just for groceries”, that turned into “well, I can get this TV and pay it off next payday” until they started carrying a balance…. The temptation gets the vast majority of people whether or not it does you, THAT’s why they just shouldn’t be around for most people
I tried renting at Newark, my credit card limit of 500 was almost used up so I couldn't make the deposite with it. Spend over an hour at the counter and in the end the best they could do was $600 deposit, $200 non refundable fee, $80 of taxes. What was originally a $120 rental for 4 days turned into over 1000. I got a friend from 2 hours away to pick me up and payed them instead. So no, you can not practically rent cars with a debit card.
People: "I don't believe in borrowing stuff I don't have, that's why I don't use credit cards." Also people: "why won't you loan me your expensive, highly mobile product and trust that I'll return it when I said I would and in good condition?" Rental Companies: "Just wondering why if VISA or AMEX won't loan you $1000 and trust you to pay it back on time, you suddenly feel like we are required to loan you a car on good faith..." If the problem is with borrowing and repaying/returning, then you have to be consistent. I appreciate most of the principles in the Channel/system, but you can't maintain no credible history of borrowing and then be shocked when someone doesn't want to loan you their stuff.
@@edgarwideman737doesn’t happen to me. Each card has 7,500-10,000+ credit limit at least. Only 23, no cc debt, investments, and took a trip to Barcelona from Canada there and back with my bonus points. Planning to go to UK this year on my other card. It’s great!
@@edgarwideman737 $500 limit? This sounds like a really antiquated experience - like jr high school... maybe a kid's "my first debit card" type of limit. Everyone here complaining is viewing this from the side of what it's like to barely step out of the norm. If you insist on CCs, go for it. It's a different view when you are cashed up, debt free, and see that these petty roadblocks are not only rare but are no different than when you use CC. The hassles are no different. At some point you learn that having flexible money tends to solve all those problems. A debit card or cash in hand can be pretty universal.
Exactly. And Hertz said they run a credit check - no credit score and what happens? And how many folks with debt problems are going to have an extra $500 deposit sitting idle in their checking account? Credit cards might be dangerous for folks with little financial willpower, but they’re just fine for the rest of us.
In fairness, it sounds like it's impossible to rent from Hertz without a credit card if you are under 25 years old. People can't just magically make themselves older.
@@josephstalin1741 Good luck with that, I worked for a car rental company that wasn't Hertz like 20 years ago and we wouldn't rent to someone under 25 without a CC, either. And even if you were under 25 and HAD a CC there were many locations that were not allowed to refuse rental by law to someone under 25, but they were allowed to make it as expensive and frustrating as possible by requiring extra fees, deposits, proof of address/credit checks, etc to those under 25.
A CC is a tool for convenience, If it benefits you, use it. But if you have no discipline, and it becomes a burden, don't use it. I've been using 3 CC's for over 20 years each with its own purpose, have never paid interest, and only benefitted from its rewards and convenience. A tool is only good for those who know how to use it properly. Because a fool with a tool will always produce bad results.
I just got denied a car at the air port. My daughter had to pick me up at 11:00 at night and drive me an hour home. They absolutely refused even though the sign behind them said it was illegal to do this
@@lee14876 " I use my points to pay for it because I am a platinum member ". You can get points AND a platinum level of Debit Card?? Wow, sign me up for THAT!!
George, I love your channel but this video didn’t do anything but reaffirm my desire to keep my credit card. You completely ignored the one agent who said you needed a soft credit check, but you say you have no credit. I live responsibly with credit cards and have zero debt. You and Dave routinely say, “no one can get rich with a credit card and the rewards.” I don’t think anyone is trying to refute that and that comment from you guys is getting old and comes off stubborn. Keep up the good work!
Correct, a soft check is a safeguard for them to know that you are not lying and have a 500 credit score. Same for apartments, I reached out to a complex recently and they said not having a score is fine but they still need to do a check. As George mentioned (at 8:08) an indeterminable score is better than a low score
A debit card is a tool and a credit card is a tool. A hand saw is a tool and circular saw is a tool. If I have to cut 10 boards, will I use a hand saw instead of a circular saw? Probably not because I can save time with the circular saw. It's the same with credit card versus debit card.
Can confirm renting cars is the most annoying part of not having a credit card I’ve had trouble pretty much every time. This is helpful advice Thankyou.
My son tried to rent from Tampa to drive to Ohio with a debit card. He was 23 and absolutely couldn't find a single place that would let him rent a car. Yes, he had enough money in his savings account to buy a car, but no one would rent a car to him. This was Xmas 2022 when all flights were canceled dueto weather, that is why he wanted to rent a car.
I think it was the debit card, compounded with the fact that he was 23. If you're under 25, you're always gonna have more issues or higher fees when renting a vehicle.
I tried to rent a car at 24 for a work trip, but got rejected. It was a corporate account Bank of America Card, so it had nothing to do with payment. The manager at Enterprize or whatever it was said for business cards you have to be 25 or older.
It’s still hard to rent under the age of 25. I think there’s only 1 or 2 companies. Call the local office on different days and get the manager’s name.
The age factor is a huge problem. Also, just for a heads up, there are several hotels here in Florida that have age restrictions in renting a hotel room. Some are 21 but they can go up to 25 and most want a cc not a debit for incidentals. This most likely stems from the influx of spring breakers we have.
Also if you travel outside of the US, you are charged international transaction fees on a debit card. Sorry i am debt free and have multiple credit cards. I pay my credit cards off immediately if i use them.
Hilarious , informative and illustrative. By making real phone calls and explaining thoroughly you are helping a lot of people[with open minds], the rest are in love with that dear little credit card so much they will die on that hill. The remainder that stay to call you names and say you are a liar are, in your words, ‘jackals’. Great job George!
I don’t think people are saying he’s lying. A lot of commenters are actually just saying that his video proves their point that you should have a credit card for convenience
@@CD-tw9tv I believe he is referring to the kind of hate and profanity that goes against YTs rules. Why should anyone name call and curse people…. Just look at social media and you will see that everywhere.
George you go right ahead- we RESPONSIBLE people with zero history of racking up debt will continue to travel the world using the #1 recommended method to avoid headaches & fraud: credit cards.
Impossible to rent a car from one airport then return to another airport without a credit card. We typically would rent and return to same location and we were able to do this with a debit card.
This is stupid. All the extra hassle and large risk of being denied a rental car, for WHAT? To prove a point that sometimes you can rent with a debit card? Use a credit card as if it was a debit card. Pay it off as soon as you get the bill. Or, heck, pay it off as soon as you get back home, even before the monthly bill. A credit card is a TOOL, not an evil. Use the tool responsibly. When you are traveling unexpected bad things can happen. Having a credit card can get you out of situations that a debit card won't.
I don't carry a credit card and have been denied by multiple companies at multiple airports using a debit card. The hang-up has always been with one-way rentals. When things go wrong with a connecting flight (surprisingly, it does 😂), and I'm stuck with the choice of driving for two hours or staying overnight, I've been stuck with the latter. The car rental companies at airports need to see that return flight ticket. I've even offered to leave a larger deposit than requested, but no dice! I'm not a proponent of credit cards (I've coordinated FPU), but I'm a realist. The uncomfortable seating at airports reminds one that they are even worse for sleeping. In a perfect plan-ahead situation the debit card can work. But don't rely on it for a one way rental when things go awry.
Yes you can rent a car with a debit card unless you don’t have a returning plane ticket. I’ve almost been stranded twice in the past year because I wasn’t returning the car the same airport. Thank you girlfriend for having a work credit card. Also mom and pop shop is 4x more. Ask any of my friends and they’ll tell you im anti-credit card. I now have one that I’ll never touch in the back of my wallet. And yes I went to multiple companies and even offered to put the full price of the vehicle down as a deposit…..still no go.
It would not surprise me if certain people at these rental car companies discriminate based on how someone appears - clean cut looking, rock n roll looking, old, young, etc etc etc. when it comes to using a debit card. But the fine print on Budget's Rental for example, reads a credit check is required if using a debit card or you must use a credit card in conjunction with the debit card. And many of the places will say whatever on the phone just to avoid confrontation and get you off the phone, hoping they wont be there when you come to get your car or it's a newbie that just does not know the fine print. And it does not make any sense to me that a $300 deposit on your debit card would cover that 2024 SUV you're driving off their lot. That just does not make any sense.
yeah but that was so much hassle, you have to go through some extra hoops. It's clear they discriminate against people without a Credit Card, and you never know how different companies treat you.
I have travelled all kinds of places all over the country and rented cars with a debit card, no problem. I didn't even know the credit card deal was even a thing. Enterprise started requiring a $200 deposit, but that's it. I've never had to produce phone bills, credit score, cash deposit, or anything like that.
![Lp. Сердце Вселенной #60 РОЖДЕНИЕ ЛОЛОЛОШКИ [Финал] • Майнкрафт](http://i.ytimg.com/vi/YoR0pAV9FVQ/mqdefault.jpg)
Like many people on here, this discouraged me from using a debit card to rent a car
Note to self: don’t rent from Hertz
We never rent from Hertz. But only on the principle that Tom Brady is such a bad actor in the commercials 😂
They’re horrendous. I have a CC and free status but avoid them like the plague.
Yeah Enterprise all the way!
They have a tendency of having their customers arrested for stealing their rented cars
Aside from getting arrested for legitimately renting Hertz cars Hertz has also reported stolen, has anybody done price comparisons and found Hertz to be within rational pricing range?
Hertz said they would run a soft credit check. George did not ask how that would affect him with no score. Also, my daughter worked for Enterprise for years. They will rent with a debit card, but if they are low on cars, those with a credit card get priority.
Yep, and many moons ago, we did run credit checks on everybody whether we openly said so or not. Not sure if they still do, but I wouldn’t be surprised, and the manager DID prioritize people and cars. Debit card would go to bottom of list.
What we said to customers was not, necessarily, what we did. It’s high pressure, or at least was, on employees.
I suppose if you have a "zero" or unable to calculate score - you're ok. But a lot of their audience is actively paying off debt and has a bad credit score.
Of course he didn’t. That wouldn’t have fit his agenda 😂. Ps I like George and I think telling people not to use credit cards only does good and does no bad but I think for the purpose of this experiment, he should have asked them the same questions as the other companies
Hertz would be a no go.
I agree with most of Dave Ramsey's financial advice, but I keep one credit card from my credit union for reasons like this. I've not paid any interest on it in many years. I usually pay the balance of a purchase even before I make the purchase, so no balance, ever. George is not being fully honest in this clip. Hertz runs a soft credit check that he didn't address and that will be a problem as well as the 24 hour advance reservation in addition to the extra paperwork and ID requirements, which won't work if you fly into town without that and need a car right away at the airport.
20 years ago I got a great deal from Hertz online to rent an economy car at Chicago OHare. I double checked their debit card policy before I left. Phone rep said I was good to go. When I flew in, the airline had lost my luggage. I took the shuttle to Hertz, and the lady told me they were NOT going to honor the deal, and did NOT accept debit cards. I walked over to the National Rent a Car office, and waited in line. Chatting with the others, there were 2 people who had the same issue with Hertz. The National manager and staff were so kind. They told us they would match the Hertz special rate, and let us choose ANY car in the lot that we wanted. Alamo/National is always my first choice when I rent a car.
Good Story, i am in Brazil and when I returned from the USA I had VISA issues that prevented me from returning. I learned that it is not so much who you talk to or read before the trip, but the understanding of the Agent you come in contact with at Customs or the Car Rental Desk. They are the ones that are physically blocking you.😎
Hertz likes to report rental cars as stolen causing nightmares for their customers.
In Europe national is not the best 🙂at least in some locations, worst I saw is in Vienna - dirty old cars.
I would never do Hertz never heard a good review
My wife got denied at Enterprise at South Bend airport for not having a credit card.
The airport only accept credit cards… local rental accept both
I was more discouraged to rent a car than to get rid of my credit card
I love George and his content, but if I’m being honest this video has convinced me even more of the benefits of credit card. I’m not bringing a copy of my water bill to rent a car.
Also, why would I loan the rental car company a few hundred bucks with the deposit. No thanks
@@PAresident93Plus now the company basically has direct access to your bank account. At least with a credit card I can dispute it without any impact to anything else. This no credit card thing is a good idea for someone with zero control, but for folks who pay off every month and get cash back, rewards, extra insurance, and extra security it just seems stupid.
Yeah cause that’s so hard to do eh
Ive been refused MULTIPLE TIMES at airports with a debit card. Hilariously it was also at the Knoxville airport. They all said on the phone that they'd accept one, but once I was there, they outright refused.
Thanks for sharing. This is a big point if they say on the phone they do but in person they DO NOT. Very poor on the part of the rent companies at Knoxville!
Did you show proof of your flight? That's all you need. If you aren't flying don't use airports rental places because they are also more expensive
Because they can only charge what is on your debit card but they can fucking max your credit card and destroy your credit in the process. It is so if you steal the car or something they get something back.
@@dreams2383 - what if someone isn't from away, but just needs to rent a vehicle for a bit? They can't rent with a debit card.
@@jroysdon every rental place even with a credit card you have to rent 24 hours in advance no matter what.
You can rent with Enterprise with a debit card at an airport as long as you have a returning flight. If you don't have a returning flight, it's company policy to have a credit card with an out of state license. Also limits your vehicle choice with a debit card. Certain car classes require major credit cards like trucks and large SUV's.
I rented from Budget years ago using a CC. About 3 months later, I received a $5500 bill for hail damage that did not occur while I rented the car. I contested and won, but it would have been 100x more stressful if they had my bank account info. I now also always take a video of the rental at pickup and drop off.
I'm not dealing with car and hotel rentals without a credit card. The amount of money they want to hold is outrageous. Plus I've had too many issues with hotels and rental car places double charging as well. Last hotel put a pending charge on my card for over a month which is outrageous given I prepaid the entire stay.
It's the same day. I'm out of money to be temporarily held when you use a credit card
If you have that much spending room when it comes to debt, then you should have that much spending room when it comes to having actual money. And then you don't need a credit card
And in that exact scenario of the store you stated, most hotels don't put some. Type of pending hold or charge on any type of card for that long
I recommend you investigate to ensure you are not double charged
@@motoryzenBut that hold fee isn't real debt. I've never paid one. Meanwhile, a hold on my checking account could cost me real money if it persists.
@@scarling9367 And if that whole fee persist, it can still cost you more money on that credit card. I guess chances are you're dumb. Ass will not pay it off in full when the bill comes due. Just like literally eighty nine plus percent of all americans
There is no justification for using a credit card overpaying. Direct cash for something it's really that simple
Nobody should rent a car under any circumstances. It's simply asinine.
Try renting out of state with a debit card and no flight itenary. All major brands will turn you down.
Good video George! However, I will continue to use a credit card for ALL reservations! I’m debt free, including paid off home❤
Hey George? That was a pretty slick way of glossing over the fact that you would absolutely be denied at Hertz.
A soft credit check is REQUIRED. Which means, if you "don't have a credit score, because I don't have any debt", DENIED.
But you failed to mention that multiple times, instead intentionally leaving that out when you did the Hertz summary.
Isn't there something in the Bible about lying and bearing false witness?
This is the one major issue I take with the Ramsey system. It's about discipline, and being able to use the tools at your disposal to your advantage.
The only thing that says is Hertz are to be avoided. As in, only an idiot would even consider doing business with Hertz.
Fully agree. I understand their stance is to stay away from credit cards since most of their viewers are bad with credit cards, but this whole "credit cards are the devil, you'll never be successful if you even have one you don't use" is such nonsense. To financially literate people, it kills their authenticity as they fight to try to prove why they're right (like in this video) and they fall flat on their face. Someone's who's disciplined enough to jump through the dozen hoops to rent a car is disciplined enough to have a CC with a $1k limit that'll give them a good credit score.
I work for a bank. I have people call in and say they have issues constantly with renting cars with a debit card. Cliff notes version if you absolutely have to rent a car with a debit card, DO NOT LEAVE without a copy of the receipt and your terms of service agreement. Disputes are filed on these transactions constantly and you need to protect yourself with your paperwork! The funds on your debit card is your actual money. If what gets frozen is needed for bills, #1 you shouldn’t be renting a car or going on vacation, but #2 that refundable deposit they tell you about can take a week or more to return back to you AFTER you give the car back.
I’m actually mad about this now: my husband and I are going out of town for a ministry conference. We booked online a rental (because his 2002 Silverado isn’t going to make it). With PLENTY of room on our debit card, we were just refused the car because of his equifax. So no, I am fully convinced you NEED a credit card.
Not worth the hassle, just get a CC. “I’m against debt”. Yes but having one CC for these situations to make life easier and then you pay it off really isn’t a big deal.
You make it sound so easy and maybe for you it is. But there is a reason the credit card company makes billions most people have no business using a credit card and don’t pay it off every month.
@@CTity860 Yeah, and its because they are generally using it to buy things they can't afford. It's actually incredibly easy, but most people just don't have enough self discipline or self control to not buy shit.
The only time I give people a pass is the 1% of people who lost their job and were living pay check to pay check while buying only necessities. Those people at least have an excuse.
The other 99% are just people who have zero self control.
Hertz 100% won't rent you a Car with a debit card without a soft credit check. If you have no credit you get no car. Love how George glossed over this.
He didn’t gloss over it. He said low scores will hurt you but no score won’t. Now if he’s right about that or not I have no idea, but he did mention it.
If a low score will hurt you, a no score will to.
@@saulgoodman2018 That sentence makes no sense. Do you know what “no score” means? That’s like saying having no police record at all must be worse than having a slightly bad police record.
Definitely playing life on “hard mode” just because you don’t want to carry a credit card or have a credit score. Yet getting a 15 year fixed loan from Churchill mortgage is acceptable.
@@836dmar Stop with the strawman arguments. Is it not even the same thing.
Being told you can is different than doing it. Good luck when you get that one person that doesn't know the company process. Yes, I know this is a customer service issue, not a credit card issue.
I think this video convinced me that having a credit card was more convenient than not having one LOL
THAT's your takeaway? It should have convinced you not to rent a car.
I’ve had to rent a car on very short notice before. Most people don’t have two utility bills in their backpack.
But many times you can access them online.
I can pull up all my utility bills on my phone in a few seconds.
It's not 1997 anymore incase you didn't know
Nobody has to rent a car. Car rentals are just asinine and should be avoided
@@amireallythatgrumpy6508 Now I’m convinced that you’re trolling, just following me around in comments sections saying the dumbest shit you possibly can.
I'm a car rental franchise owner. I do indeed turn down many people who either have no credit or insufficient credit and are using debit cards. Our airports do not take debit most days of the year and definitely not on one way rentals.
What company? So that I know to avoid it.
@src4409 Its not Enterprise they are who I revert customers to using debit cards. Airports are very strict in busy cities as to debit card acceptance....the folks he talked to are 90 percent the customer service team and they lie or feed general statements having never rented a car in their life.
He travels a lot so he obviously rented a car multiple times with debit card. The whole Ramsey Solutions team wouldn’t be able to travel cross country if that’s not true.
@@src4409So my buddy is a district manager for one rental company now and has had similar roles at 3 other rental companies. 3 national companies and 1 smaller company. None of the 4 will rent out to you with just debit.
@@ungphucI'm assuming they use Corporate Cards for business travel. "Charge cards" not credit cards.
This convinced me to use a CC instead of a debit card. Thanks George.
Agree - not worth the hassle
Not to mention that if you pay your bill in full every month you pay the same.
Same
Haha, fair point!
That's your takeaway? The takeaway should be NEVER rent a car.
I truly don’t remember the last time I used a credit card. But what I gather from this video is that it is possible with lots of planning, extra money on hand for higher deposits, and additional documentation. So if I am planning a vacation I should be fine. But if I have to travel last minute for something like an emergency or a death in the family I could be heavily delayed at best or not get a car period.
You can’t bring proof of 2 bills with in the event you have to travel for a death in the family?
I'm good. I'll pay the lower rate, pay it off at the end of the cycle, and get FF miles as a reward.
I showed up to an annual, hard-to-get-into event where all hotels were super overbooked and they wouldn't give me my room without a credit card. As a Ramsey guy I pushed back and looked for loop holes and workarounds. Offered cash, etc. They were happy to cancel and give my room to someone else (for double $) if I didn't have a credit card. I'm all in on debt-free living, and I'm all in on debit card only for everything I do, and I give 2 squats about points or air miles. Don't want 'em. But I'm not gonna fight the whole country's belief in credit cards and treat it like a personal victory.
That’s sounds miserable dude, the fuck are you doin
This video makes me want me to keep my credit cards all the more. George - this backfired
😂😂
The Ramsey advice of no credit cards is kind of ridiculous, in this day and age. You almost have to have one, to live. I understand, some people just can't manage credit cards, but you can specifically request one low-limit card and pay it off, monthly.
@@TheyRiseBand what part of most people don't pay it off monthly don't you understand??
@@TheyRiseBandnope. You don't need one. I've rented cars, bought plane tickets, traveled internationally, rented hotel rooms, rented Air BnBs, even bought groceries and gas for my cars....all without a credit card.
Last the doctor checked, my heart rate, oxygen, and blood pressure are good. So apparently I'm living...even without a credit card.
@@TheyRiseBandlol you don’t need one bro
Teaching FPU and this came up last night. Someone tried to rent at enterprise with a debit card. He said he was denied not by the car company but by his bank that the card is tied to.
The real question isn’t credit versus debit. The real question, is what is holding you up from getting your financial life in order i.e. living on less than you make do a monthly budget, and being intentional about your spending if you’re doing those things, it doesn’t really matter whether you’re using a debit card or a credit card.
Yeah I agree with that, I think credit cards are a net negative on society, but I’m not hardline against them or people that use them when it’s being well managed. I also think that anyone truly struggling with credit card management shouldn’t worry about cutting them up and losing out on slightly easier transactions, they aren’t in a position in life to buy renting cars and booking hotel stays anyway, go ahead and cut them up.
@@nodsib I'm not a huge fan of credit cards - I think they are predatory on poor people. But realistically, many people need to fly on an emergency basis to visit a sick or dying family member or they need to travel for a job interview or they regularly have to travel for work (and float expenses until their company reimburses them). Travel is not only done for recreational reasons - 100% of my travel this past year was done for work. I keep a credit card so that I don't have to hassle with things like obstinate rental car companies. Or pay higher car insurance rates. Or have a problem at my government job when they run a credit check on me as part of my hiring process. My routine purchases like utilities and gas go on the credit card and get paid off every month on auto draft.
Interestingly, the Ramsey family doesn't take a hard line against gambling or drinking or things that most people do responsibly and a few struggle with addiction. I don't see why they can't advocate for responsible credit card usage so people can reap the advantages.
While I agree with the premise of the argument here, I know psychologically I would spend more overall with credit than with cash so that's why I chose to have debit over credit cause I'd rather have that extra money
@@richardripp1891you could spend less by using cash than a debit card so why not do that instead?
I can’t imagine being so disciplined that you are willing to jump through hoops to get a rental car, but don’t feel disciplined enough to trust yourself to have a credit card for situations like this.
I can't imagine making the mistake of renting a car
@@amireallythatgrumpy6508 never been on vacation?
People forget that the main point of this is to help people stop being undisciplined with their credit card spending. These people lie to themselves and say they need it for car rentals, hotels, online purchasing. However they spend on other things and run up their debt. Next thing you know they have 20k in debt with 3 different cards. Of course you can be displined. Just like having a fridge full of ice scream, and pantry filled chips. You can I say "I'm disciplined, I only eat one or two a week" but the truth is, most people wont.
One of the most unconvincing videos ever…
No, go do it in person. The wife and i had an issue at the Orlando Airport after i failed the "credit check". Good thing my wife had her cc that she dont really use.
Yes, if you jump through all of these hoops, don't need an SUV, and are not doing multi-city travel. You also lose out on the extra insurance from your credit card company (like loss of rental use after an accident-most standard car insurance policies don't include that unless you buy the coverage from the rental company)
So, in a nutshell the credit card makes things more convenient. If you're paying for things you're already planning on buying, like a car rental, then I don't see that as debt. Thats assuming you're paying it off monthly and spending responsibly. I'll keep my credit card.
My sister-in-law does not have any credit cards, and she came for a visit last Christmas 2022. Unfortunately, their car completely died while they were here and they needed to Rent-A-Car to get back home so her husband could return to work and the kids could go to school on time, etc. It took three trips to the airport, multiple rental car company counters, many tears later, and we finally had rented her car.
I had to rent the car because I had a credit I let her use.
It was the most frustrating thing ever. She was willing to give them a debit card, she had thousands of dollars in her bank account, but they would not accept it! The first company said they wouldn’t even talk to us anymore and we had to walk around and find others.
Edit: her not having an actual flight for that airport was the big reason. It was the holidays and t there weren’t many rental car places open/or that had cars available.
Such a mess!
It honestly sounds much easier to just have a credit card to rent the car lmao… bro when traveling with kids, the last thing you need is the rental car part of the trip to be this cumbersome…. You have so many other things going on that you’ll need to focus on. 😊
That's why you do NOT travel, especially with kids.
@@amireallythatgrumpy6508 well that’s a wild take lol. I’m guessing you parents never traveled with you as a child. Not even to go visit relatives? Travel doesn’t mean vacationing lol
But it always means a waste of time. @@guevarasamson1165
You are soo right...travelled around the world with my familiy with 2 kids....and it is ridiculous to think you could do that easy without a credit card.
Based off this video, I must say it has actually motivated me to keep my credit cards even more. The convenience of having less documents, money, and time involved in getting a rental car seems pretty nice to me. Not to mention credit cards saved me 2k last year, all while only using them for necessities and paying them off with no interest. If I fell into the psychological trickery of buying more stuff because of using them, I would’ve gotten rid of them a long time ago.
You’re a credit card person, as Caleb Hammer would say.
Totally agree. If you are irresponsible with your credit card, what makes you think you'll do any better with a debit card. You'l just be hit with tons of overdraft fees. It doesn't depend on which type of card you use, debit or credit, it depends on the person that's using it.
How does a man go about getting his first credit card ever???
I worked at Avis rent a car no cc no car. This was because of the people that would use their debit card and then cancel the card or report it lost.
I went to Enterprise and I used my debit card. I got my deposit back a few days after I returned the car.
When I went there, the guy told me to use a cc but I said I don't own one, he was like okay, you will get your money back after you return the car. I was like okay. My boyfriend grabbed his cc and the guy was like it has to have HER name on it and what a gentlemen you are.
Couldn't someone just do the same thing with a credit card just as easily?
But you can do the exact same thing with a credit card
Lots of people have refuted what was said in this video and pointed out George skipping over the required credit score at Hurtz. What I’d like to point out is that on multiple points on the Ramsey show they say you shouldn’t have more than “a few hundred dollars” in your bank account. When they mention specific numbers it ranges from $200-$400. So, a $500+ hold on your debit card potentially would bust their taking point. I keep at least $1,000 (baby step 1) emergency fund in my bank account at all times. This ensures I don’t have to stress over paycheck planning or risking overdrafts. Car rentals are a normal thing that has to happen. If Ramsey truly wants to get people off credit they’ll need to partner with one of the big brands or make a fool proof guide. In addition to not treating callers as idiots for having $1,000+ in their non emergency fund accounts.
One reason to never have a debit card is theft. If someone gains access to your bank account with the physical card or by obtaining the info, you can be wiped out of everything and you are out of luck. That generally can't happen with a credit card, since the credit card will have a limit and will usually be monitored by the credit card company for unusual purchases or shipping addresses that don't match. Debit cards are the worst things you can have in terms of security. I've had credit card info stolen 3 times, but none ever went through. I know people with debit cards that had their info stolen and had their accounts wiped and lost their money. Debit cards suck for security. It's best to have a credit card and pay off every purchase as soon as it posts.
Ummm I have all that protection with my debit card they reimburse me if there's fraudulent activity and often send messages to ensure its me using my card....
@@richardripp1891 Have you put it to the test? Google it - you'll find all kinds of horror stories from people who were screwed over for months to get resolution from their banks.
All debit cards with the Visa or Mastercard logo (i.e. ALL of them now) have the same exact fraud protection as a Visa or Mastercard credit card. Report/dispute fraudulent charges and you'll get all the money back. Banks know this and they don't want to be left paying a fraudulent bill either, so almost all of them employ other "smart" technologies to block and shut down cards that are suspected of being stolen/breached and used for unauthorized charges. I've personally had this happen multiple times, and was thankful for the heads up. Debit cards are safe.
So.... you can make sure you always travel with a birth certificate, social security card, 3 utility bills, and $500 in cash.... Or you could just set your credit card to auto payment. I'm 40 and have never paid a dime in credit card interest. I've probably accumulated at least $10,000 worth of rewards. Not to mention most credit cards will include certain levels of travel insurance for car rentals/flights. George has a right to live credit card free- but you can't preach that credit cards are evil for everyone.
That "varies by location" part is key. Enterprise refused to rent to me without a credit card a year ago.
Funny, I've rented from enterprise in a few different locations and never had a problem with a debit card, didn't even ask for anything extra, just acted like it was normal.
Never had a problem with enterprise using debit
I just rented one a couple weeks ago without a cc. Maybe their policy changed?
I've read some comments on here about employees either not knowing they could or just not wanting to go through the process. I hope that was not the case, but many seem to have been able to. I can say I've been told no at two separate locations.
@@skycollide5068 I'm sorry you had to go through that.
We ditched the credit cards in 2019. Rented cars, flew places, bought things. Still not missing that dumb payment. And when you’re spending YOUR money, you think twice before buying things.
What about the soft credit check around 4 minutes 👀 wish you would have asked more about what happens there if u don’t have a credit score
That would have gone off brand. Best to ignore that comment 😉
Avoid hertz period. They are ALWAYS the most expensive. Years of calling around has taught me this. I even had AAA who partners with hertz for a discount and they were still more expensive than every other company.
So basically it’s kind of a pain and you need to bring other “documentation” and you have to call ahead and work through the phone tree. No thanks. CC are dumb… but phone trees are more dumb.
Travel is the only reason I keep a credit card. Love Ramsey and George, but debit cards don’t hit the mark for travel!
I tried renting with a debit card in Chicago in November 2023 and got denied at 5 different places. Zero tolerance there. I had booked ahead, too, but the issue was I was out of state. Everyone said it was a city policy. Granted, Chicago is the only city I’ve had this happen but it changed my itinerary dramatically.
George was a little nonchalant about having the deposit be a hold on the card. If you’re traveling and the rental car company, hotel and airline all put a hold on your debit card, that can add up quickly.
I was just going to say this. It's super difficult to keep that kind of surplus of extra cash for many people if it's a longer trip.
Like $700 for hotel hold, $500 for car, so traveling with an extra $1200 in addition to the cost of a trip. I think he's out of touch with the laymen.
Yeah. When I worked in insurance even if we (the carrier) was paying for a rental, the client still had to put down the deposit and get it back when car was returned so I used to tell people to use a credit card if they had one so it was temporary hold instead of a cash deposit that you wait to get back.
@@MariaLopez-hk9mw So...about a 1/2 to month of household funds... if only I had 3-6 months in reserves. I'll agree that's a lot for "laymen" but I don't wanna be laid on. 😂
I mean, don't travel if you don't have enough funds in your account...
@@MariaLopez-hk9mwHe is just in touch with those who take their finances seriously and plan for their future. If you are maximizing your income and minimizing your expenses as well as following the 3-6 month savings rule then you will not have to use your fingers to point at why you can't do things.😎
Hi George, kudos on the content!
To answer your question as you presented it, there is no reason why someone cannot live without a credit card. It is totally possible to conduct your life without one. However, if we change the question to why someone would still choose to use a credit card, this video illustrates that answer quite nicely: convenience.
You pay a convenience fee to not use a credit card and only use a debit card. In the case of renting a car, it's a cash fee that you lock up in deposits and cannot use during your travels (between car rental and lodging you can easily lock up $1K+) along with a time fee that you pay with the extra steps in research, planning, documentation and budgeting. You'll also likely have to pay extra for the car rental company's insurance, which they often require for debit card rentals. Most credit cards will insure your car rental automatically.
When using a debit card, you don't even get any moral return for this convenience fee you're paying. The credit card companies are still getting their cut of the transaction from interchange fees, albeit the fees are lower for debit cards, and the costs of the interchange and processing fees are baked into the price of whatever you're purchasing. So you're paying VISA and Mastercard whether you're using a credit or debit card. Cash or checks is the only way to sever your relationship with the big bad credit card companies.
In summary, it makes sense for you to present the question in absolutes because when you account for nuance, one could argue that responsible and disciplined credit card usage (no annual fee/pay off every month/only use for benefits such as travel, rentals, lodging, electronics) makes for a significant convenience gain at the expense of credit card companies.
Yes, you can do life without a credit card.
Yes, it's a less convenient life.
Yes, it's a more secure life if you lack discipline.
Yes, just like it's possible to do life without a credit card, it is also possible to do life with a credit card such that cost is reduced instead of incurred.
Discipline and risk management are our most powerful weapons, more so than a pair of scissors.
Yep. Well said. George has to follow the Ramsey model though and he’s out to prove a point. Their extreme advice really only applies to people in financial trouble who aren’t able to use a cc responsibly.
No annual fee cards most of the time are garbage. Credit cards with annual fees have perks or annual benefits that can outweigh the annual fee based upon one's lifestyle. It is more about the effective annual fee (according to one's lifestyle) that is key to a good credit card.
This should be the top comment.
@@GEN512X got a cc with 5% cash back in gas with no annual fee. Annual fees are for suckers, dude.
@@OhYeaMista 5% cash back gets you what at the end of the year? 4 or 500 bucks? On one annual fee card alone I get back over 7k in value. Much more return on spend. No annual fee cards can be good for those who don't travel, but the return on spend is meh.
I personally have been turned down numerous times with a debit card with plenty of funds. I got sick of it, so I just started using a credit card. When you're traveling and don't carry around all your documention, it's too much of a headache. That's a naw from me dawg. My time is worth more than the hassle.
George, although I too live without a credit card and have rented a car without one (and have had issues renting at times), there are several flaws in your video. Here are some of the issues I have had with rental car companies (after due diligence checking their debit card requirements).
1. The credit check that Hertz and others require. You state that they are looking for a low score, but I have been turned down at a rental car agency for having no credit score.
2. You threw yourself a softball with Enterprise. They are the most lenient with debit cards. All other companies of which I am aware have stricter policies (go Enterprise!).
3. The airport scenario. What are people supposed to do it they don't have a return travel itinerary? My family was once stranded when we were meeting for a family funeral. We all met at an airport part way to the destination coming from different states. The plan was to rent a car to drive to the funeral (in another state) and fly/drive our separate ways following the funeral. We thus had no return itinerary to *that* airport and were unable to rent. What would you do then?
4. You didn't actually rent a car in this video. Often times, the company policy on the website contradicts what the rep will tell you on the phone and contradicts what policy the company enforces at the counter.
f you really want to prove your point, film a video where you 1. rent a car, 2. with a company other than Enterprise, 3. at an airport, 4. with no return itinerary. Or better yet, lobby car rental companies to revise their policies. Consumers have a voice, and the Dave Ramsey brand carries weight with it. We would all love to make this process easier!
What about the “soft credit check” at Hertz if you don’t have a score?
You're point is valid, but is undermined by you not being honest that Hertz would not rent to you...."soft credit check" you wouldn't be able to rent from them. But you did prove you have other options.
Renting cars with a credit card is just easier. It's not worth the hassle for me to do it with my debit card. Plus there are more options on shopping around for car rentals using a credit card as not every car rental company takes debit cards. I pay off my credit card balance monthly anyway.
Right because swiping your debit card versus swiping your credit card takes more effort. Ooooo wait
No.. It does not take any difference in effort
There is literally no excuse or reason to rent a car.
I use a credit card for my cell phone and other monthly bills just to have a credit score. Insurance and maybe to buy a house one day. My daily spending is debit card. With no other debt than credit card which is paid in full monthly my score is only 790. With over 160k in the bank I don't need credit. Still nice to have the option if I buy a house in the future.
thats crazy, I went to an Enterprise in NC with my then-fiance and they said we needed a credit card to rent a car and there were no other option. it screwed our trip up a bit
I always rent cars and book hotels via credit cards. Points aside if that’s not your thing, a lot of credit cards give you travel protections and rental insurance for free. Rental places are asking for 15-30 dollars a day for collision insurance
Unfortunately this happened at the Cincinnati airport to me. They refused the debit card and cash and said it was just their policy no matter what. I had to get a ride to a nearby town to find another rental place which allowed a friend of mine to pay over the phone using a credit card because that place also wouldn’t do debit or cash.
Irrelevant. Debit cards never guarantee you will get your deposit back. Credit cards do.
Irrelevant. Nobody should rent a car under any circumstances. It's simply asinine.
I actually just rented a car using a debit card with Enterprise in Orlando, FL and they did not require any deposit at all. I was charged only the cost of the rental. It is indeed possible!
Sure, in a large popular airport. The point of this video is a small regional airport, where they insist on cc.
Debit cards are dangerous because if someone gets a hold of it they can empty out your checking account and you’d have no legal recourse. But with a credit card your protected and can file a report with the police
How to make simple things complicated. In my opinion these scenarios are what credit cards are good for. Travelling. I used to only use a debit card and while on vacation to go visit my brother someone at the motel tried to charge a fraudulent charge on my debit card, the bank froze my card and it was an online bank so i had no branch to go to. That was less than 2 years ago so i immediately gave up my no credit card lifestyle at 50 years old. So big whoop i have a credit card. Its just like a debit card
Pry could have brought some cash with dumb dumb 😢
I completely understand being against consumer debt, but the Ramsey team obsession against credit cards is just plain weird. Why go through all of this nonsense to rent a car or get a hotel room? Be a responsible adult, use the credit card wisely, pay off your card. Be a grown up- simplify your life.
Probably has something to do with the fact that credit cards ruin millions of peoples lives. Unfortunately more than half the country isn't responsible enough and credit card companies count on it.
Never once had a problem getting a car rental, apartment, or hotel, with no credit and I'm not even 25... Why would I choose to do something that I know even if I continued to not have would make me spend more money statistically when I would rather just have those funds...
It's so you don't rent a car, and just stay home and eat top ramen until you're a millionaire. 😂 J/K. I am less aggravated by the years I spent in credit card debt; as it was a learning curve on my bad behavior. I am more frustrated about the American dream of home ownership. The mortgage is far more aggregious in my book.
I don't have enough words to describe the amount of times I've experienced this. ALWAYS ALWAYS use a credit card to rent a card. In fact this is one of the only reasons I keep a credit card is for things like this.
NEVER NEVER rent a car under any circumstances. It is simply asinine.
@@amireallythatgrumpy6508 😂
So while it can be done Hertz sure has an extensive list of requirements in order to do so. And you still aren’t guaranteed to be approved after doing all the things in their list. I’ll stick with a credit card for car rentals.
This might be totally different in an emergency situation, ie; you can’t book ahead of time, and/or the rental agency doesn’t have cars available that qualify for use with only a debit card. I have definitely been in situations where without a credit card-I wasn’t getting a rental.
I tried to rent a car with a debit card, but because it was a 1 way rental nobody would rent to me without a credit card. Had to have someone drive 3 hours one way to pick me up and take me the 3 hours back to where I was going.
10 people had this exact same experience?! doubtful. Just use a CC and let other's using DCs control their money as they wish.
Same. People at the airport told me NO. I was very frustrated.
So it's possible to rent with a debit card, if we choose to trust that the staff at the desk will honour what we are claiming to have been told by customer service staff over the phone ahead of time (which I definitely have my doubts about).
But it's definitely easier if you have a credit card. Much easier to carry a credit card (which can be easily cancelled and guarantees to make you whole in the event of theft or fraud) than carry a debit card, multiple forms of official ID, and utility bills, which can be used to steal your entire identity when some scumbag steals your bag at the airport. They can take all that stuff, use it to clean out all your bank accounts, and start taking out all sorts of scary debt in your name! Good luck fighting to get all that sorted out in under a decade, if at all.
Just use a credit card, but be disciplined to pay it off every month and only use it when you need to for something like car rental.
I have no debt, but use a credit card for my daily expenses and pay off the balance at the end of the month. I have thought about switching over to only debit, but George proves in this video it is indeed an additional hassle to not have a credit card.
Even if it were the case that spending with a credit card psychologically causes you to spend more. That additional cost is worth the convenience of not having to carry around my utility bill.
Also, I hope George makes a video on this comment.
I believe that for the average person, they will spend more with a credit card vs a debit card. But if you are disciplined with your money and/or have a budget and live within your means, it makes mathematical sense to use a credit card. Problem is Ramsey Solutions aims at finding a one size fits all solution for a mass audience.
Just like you, I pay off all my balances by EOM and don't carry debt. I redeem all cash back and dump it into low cost index funds and been doing that for years and has paid dividends.
We are not Ramsey/Kamel's target audience.
It does not make mathematical, or any other, sense to rent a car. @@RyChOr2005
No point in getting rid of useful tools just to do it. If a person has issues controlling their spending it takes work to get that under control chopping up credit cards is a short term fix (like throwing away all the booze to stop drinking) but doesn't fix the underlying problem which could be people viewing credit as available cash, which it obviously isn't! Good job being debt free
@@RyChOr2005 I never carry a balance and cash in my points to cash once a year. Never thought of the index funds. Good idea.
It just seems wired to add extra complexity into every transaction just to stand ground against credit cards. If you pay them off, take advantage of the insurance, cash back/rewards, discounts, and convenience. Use debit if you like it, but keep a credit card for only complex scenarios. Why make life hard, when it can be easy?
Honestly because what you’re saying is idealistic, not realistic. I don’t ever ask someone if they pay off their credit card every pay period cause most people lie anyway. But I’ve known many people who had a credit card “just for gas” or “just for groceries”, that turned into “well, I can get this TV and pay it off next payday” until they started carrying a balance…. The temptation gets the vast majority of people whether or not it does you, THAT’s why they just shouldn’t be around for most people
Millions of folks pay off credit card balances in full monthly.
I tried renting at Newark, my credit card limit of 500 was almost used up so I couldn't make the deposite with it. Spend over an hour at the counter and in the end the best they could do was $600 deposit, $200 non refundable fee, $80 of taxes. What was originally a $120 rental for 4 days turned into over 1000. I got a friend from 2 hours away to pick me up and payed them instead. So no, you can not practically rent cars with a debit card.
People: "I don't believe in borrowing stuff I don't have, that's why I don't use credit cards."
Also people: "why won't you loan me your expensive, highly mobile product and trust that I'll return it when I said I would and in good condition?"
Rental Companies: "Just wondering why if VISA or AMEX won't loan you $1000 and trust you to pay it back on time, you suddenly feel like we are required to loan you a car on good faith..."
If the problem is with borrowing and repaying/returning, then you have to be consistent. I appreciate most of the principles in the Channel/system, but you can't maintain no credible history of borrowing and then be shocked when someone doesn't want to loan you their stuff.
With this video, I think George may have convinced one person to travel with a debit card instead of a credit card.
Why? I've never had one and apparently still don't need one lol
Don't do it. I did once when my card payment took longer then expeted, so my $500 limit was basically used up. It was a nightmare!
@@edgarwideman737doesn’t happen to me. Each card has 7,500-10,000+ credit limit at least. Only 23, no cc debt, investments, and took a trip to Barcelona from Canada there and back with my bonus points. Planning to go to UK this year on my other card. It’s great!
@@edgarwideman737 $500 limit? This sounds like a really antiquated experience - like jr high school... maybe a kid's "my first debit card" type of limit.
Everyone here complaining is viewing this from the side of what it's like to barely step out of the norm. If you insist on CCs, go for it. It's a different view when you are cashed up, debt free, and see that these petty roadblocks are not only rare but are no different than when you use CC. The hassles are no different. At some point you learn that having flexible money tends to solve all those problems. A debit card or cash in hand can be pretty universal.
Exactly. And Hertz said they run a credit check - no credit score and what happens? And how many folks with debt problems are going to have an extra $500 deposit sitting idle in their checking account? Credit cards might be dangerous for folks with little financial willpower, but they’re just fine for the rest of us.
Still don’t know this is a hill you want to die on. Having a credit card for renting a car is plain convenient.
There's nothing convenient about renting a car. It's just stupid and pointless.
In fairness, it sounds like it's impossible to rent from Hertz without a credit card if you are under 25 years old. People can't just magically make themselves older.
So if you under 25, just rent from someone who isn’t Hertz.
Just rent from someone else lol.
@@josephstalin1741 Have you ever been to a small airport where there aren't 5 different options for rental cars?
@@josephstalin1741 Good luck with that, I worked for a car rental company that wasn't Hertz like 20 years ago and we wouldn't rent to someone under 25 without a CC, either. And even if you were under 25 and HAD a CC there were many locations that were not allowed to refuse rental by law to someone under 25, but they were allowed to make it as expensive and frustrating as possible by requiring extra fees, deposits, proof of address/credit checks, etc to those under 25.
A CC is a tool for convenience, If it benefits you, use it. But if you have no discipline, and it becomes a burden, don't use it. I've been using 3 CC's for over 20 years each with its own purpose, have never paid interest, and only benefitted from its rewards and convenience. A tool is only good for those who know how to use it properly. Because a fool with a tool will always produce bad results.
I just got denied a car at the air port. My daughter had to pick me up at 11:00 at night and drive me an hour home. They absolutely refused even though the sign behind them said it was illegal to do this
Enterprise I booked it 2 weeks in advance and I use my points to pay for it because I am a platinum member and they still refuse to rent the car to me
If its illegal to do this, does that mean you could file a lawsuit?@@lee14876
This doesn't sound like a debit card.
What was the reason they denied you
Sounds like you need to take this up with corporate
@@lee14876 " I use my points to pay for it because I am a platinum member ". You can get points AND a platinum level of Debit Card?? Wow, sign me up for THAT!!
George, I love your channel but this video didn’t do anything but reaffirm my desire to keep my credit card. You completely ignored the one agent who said you needed a soft credit check, but you say you have no credit. I live responsibly with credit cards and have zero debt. You and Dave routinely say, “no one can get rich with a credit card and the rewards.” I don’t think anyone is trying to refute that and that comment from you guys is getting old and comes off stubborn. Keep up the good work!
George, you didn’t ask about a credit check with the 3rd one. And he mentioned a credit check!
Correct, a soft check is a safeguard for them to know that you are not lying and have a 500 credit score. Same for apartments, I reached out to a complex recently and they said not having a score is fine but they still need to do a check. As George mentioned (at 8:08) an indeterminable score is better than a low score
I travel a lot to foreign countries and my debt card charges international fees. With my credit card those fees are waived.
We need not be a stickler. Atleast one credit card to avoid these hassles might be worth it.
We rented from Hertz Ireland, debit card only. No different from CC customers. That's quite a few hoops they make you jump through here in the US.
A debit card is a tool and a credit card is a tool. A hand saw is a tool and circular saw is a tool. If I have to cut 10 boards, will I use a hand saw instead of a circular saw? Probably not because I can save time with the circular saw. It's the same with credit card versus debit card.
You can use a debit card with Enterprise but only for certain classes cars such as compact or economy cars.
At the beginning of this video I was considering chopping up my credit card, but by the end I decided to keep it. 😅😅😅
Can confirm renting cars is the most annoying part of not having a credit card I’ve had trouble pretty much every time. This is helpful advice Thankyou.
My son tried to rent from Tampa to drive to Ohio with a debit card. He was 23 and absolutely couldn't find a single place that would let him rent a car. Yes, he had enough money in his savings account to buy a car, but no one would rent a car to him. This was Xmas 2022 when all flights were canceled dueto weather, that is why he wanted to rent a car.
I think it was the debit card, compounded with the fact that he was 23.
If you're under 25, you're always gonna have more issues or higher fees when renting a vehicle.
I tried to rent a car at 24 for a work trip, but got rejected. It was a corporate account Bank of America Card, so it had nothing to do with payment.
The manager at Enterprize or whatever it was said for business cards you have to be 25 or older.
Have to be 25.
It’s still hard to rent under the age of 25. I think there’s only 1 or 2 companies. Call the local office on different days and get the manager’s name.
The age factor is a huge problem. Also, just for a heads up, there are several hotels here in Florida that have age restrictions in renting a hotel room. Some are 21 but they can go up to 25 and most want a cc not a debit for incidentals. This most likely stems from the influx of spring breakers we have.
Also if you travel outside of the US, you are charged international transaction fees on a debit card. Sorry i am debt free and have multiple credit cards. I pay my credit cards off immediately if i use them.
Hilarious , informative and illustrative. By making real phone calls and explaining thoroughly you are helping a lot of people[with open minds], the rest are in love with that dear little credit card so much they will die on that hill. The remainder that stay to call you names and say you are a liar are, in your words, ‘jackals’. Great job George!
I don’t think people are saying he’s lying. A lot of commenters are actually just saying that his video proves their point that you should have a credit card for convenience
@@CD-tw9tv I believe he is referring to the kind of hate and profanity that goes against YTs rules. Why should anyone name call and curse people…. Just look at social media and you will see that everywhere.
I was turned down at Detroit Metro because I only had a debit card, it sucked because Delta goofed up my connecting flight
This is good stuff, George. The one rental company that requires a soft credit check will reject you. You're right about there being options.
You have to be aware of the options. I prefer sedans not SUV.
Depending on the city I am going to I do not want a luxury vehicle..
I watched this video then grabbed your book at chapter 2 and it's exactly the same text and jokes. My guy just reading his own book 😂
George you go right ahead- we RESPONSIBLE people with zero history of racking up debt will continue to travel the world using the #1 recommended method to avoid headaches & fraud: credit cards.
Do you live in the USA? Yes? That would make you by definition IRRESPONSIBLE.
@@amireallythatgrumpy6508 explain that logic lol - looking for actual logic though
You're American. You people over there FEAR "actual logic". People in your country do everything possible to avoid thinking. @@MKK-wg7fz
Impossible to rent a car from one airport then return to another airport without a credit card.
We typically would rent and return to same location and we were able to do this with a debit card.
This is stupid. All the extra hassle and large risk of being denied a rental car, for WHAT? To prove a point that sometimes you can rent with a debit card? Use a credit card as if it was a debit card. Pay it off as soon as you get the bill. Or, heck, pay it off as soon as you get back home, even before the monthly bill. A credit card is a TOOL, not an evil. Use the tool responsibly.
When you are traveling unexpected bad things can happen. Having a credit card can get you out of situations that a debit card won't.
Yes, 100% this.
I don't carry a credit card and have been denied by multiple companies at multiple airports using a debit card. The hang-up has always been with one-way rentals. When things go wrong with a connecting flight (surprisingly, it does 😂), and I'm stuck with the choice of driving for two hours or staying overnight, I've been stuck with the latter. The car rental companies at airports need to see that return flight ticket. I've even offered to leave a larger deposit than requested, but no dice! I'm not a proponent of credit cards (I've coordinated FPU), but I'm a realist. The uncomfortable seating at airports reminds one that they are even worse for sleeping. In a perfect plan-ahead situation the debit card can work. But don't rely on it for a one way rental when things go awry.
Yes you can rent a car with a debit card unless you don’t have a returning plane ticket. I’ve almost been stranded twice in the past year because I wasn’t returning the car the same airport. Thank you girlfriend for having a work credit card. Also mom and pop shop is 4x more. Ask any of my friends and they’ll tell you im anti-credit card. I now have one that I’ll never touch in the back of my wallet. And yes I went to multiple companies and even offered to put the full price of the vehicle down as a deposit…..still no go.
Dude this is the internet, no one is going to ask your friends and family..
Naw man, bring them to the comments section I want them to comment. 😂
It would not surprise me if certain people at these rental car companies discriminate based on how someone appears - clean cut looking, rock n roll looking, old, young, etc etc etc. when it comes to using a debit card. But the fine print on Budget's Rental for example, reads a credit check is required if using a debit card or you must use a credit card in conjunction with the debit card. And many of the places will say whatever on the phone just to avoid confrontation and get you off the phone, hoping they wont be there when you come to get your car or it's a newbie that just does not know the fine print. And it does not make any sense to me that a $300 deposit on your debit card would cover that 2024 SUV you're driving off their lot. That just does not make any sense.
Just have a credit card for travel and pay it off. Good grief.
No, a better idea would be to avoid travel. Travelis asinine. Good grief.
@@amireallythatgrumpy6508some people want to enjoy life especially if you working hard and want to experience new things, see loved ones, etc.
Yes, you really ARE that grumpy!
My travel days are behind me now due to physical limitations, but I do miss it.@@amireallythatgrumpy6508
@@amireallythatgrumpy6508 So just don’t go anywhere? That’s completely unrealistic.
False. @@woodside4life
yeah but that was so much hassle, you have to go through some extra hoops. It's clear they discriminate against people without a Credit Card, and you never know how different companies treat you.
I have travelled all kinds of places all over the country and rented cars with a debit card, no problem. I didn't even know the credit card deal was even a thing. Enterprise started requiring a $200 deposit, but that's it. I've never had to produce phone bills, credit score, cash deposit, or anything like that.
Same pay the deposit show my valid license and on my way after a few signatures
So basically you do need a credit card.
The correct conclusion is "so basically you should never rent a car."