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Problem with credit card

Travel Forums General Talk Problem with credit card

1. Posted by Frankov (Budding Member 3 posts) 8y

Currently I don't have any credit card avaiable. Can I use my friend's one to pay for accomodation? Normally for booking room online you are required to pay just a little amount, the rest you pay when you arrive. Is that ok? Did anyone have this kind of problem before? Thanks.

2. Posted by Sam I Am (Admin 5588 posts) 8y

Quoting Frankov

Currently I don't have any credit card avaiable. Can I use my friend's one to pay for accomodation? Normally for booking room online you are required to pay just a little amount, the rest you pay when you arrive. Is that ok? Did anyone have this kind of problem before? Thanks.

Yes, if you're booking budget accommodation (hostels/budget hotels etc.) or last minute accommodation systems you can use a friend's credit card to pay the initial deposit/fee. This is usually 10% and (of course) gets deducted from the total amount payable. The remaining amount can be paid in cash for example at the property. In a lot of countries the properties prefer cash or can't even take credit cards.

And yes, it has happened before (I have booked for others a few times this way)!

I should note that with the hotel booking system we use the full amount is charged to the credit card so you don't have to pay anything at the property. You could still use a friends credit card though. Naturally in all these cases you should be sure your friend is okay with you using their credit card

3. Posted by sapphyre (Respected Member 418 posts) 8y

When I booked online with HI Canada they wanted the exact same card I used for the online booking. Perhaps for verification purposes but may pose a problem to you. Would be good to check with the specific hostel you're looking at.

Would it be possible for you to get a debit card? It's a cash-point card that doubles up as a credit card but the amount you charge is deducted form your account immediately, so you owe the bank nothing. That's what I've been using for the past 5 years - I don't own a credit card either.

4. Posted by Sam I Am (Admin 5588 posts) 8y

Quoting sapphyre

When I booked online with HI Canada they wanted the exact same card I used for the online booking. Perhaps for verification purposes but may pose a problem to you. Would be good to check with the specific hostel you're looking at.

That's just plain silly! How about when parents book a place online for kids who are already travelling. This kind of thing happens all the time. HI actually has tons of properties included in our system too and I know it would be against the terms there to make that a requirement so I wonder if that means they have different rules depending on where the booking originated...

5. Posted by Isadora (Travel Guru 13926 posts) 8y

Quoting Sam I Am

Quoting sapphyre

When I booked online with HI Canada they wanted the exact same card I used for the online booking. Perhaps for verification purposes but may pose a problem to you. Would be good to check with the specific hostel you're looking at.

That's just plain silly! How about when parents book a place online for kids who are already travelling. This kind of thing happens all the time. HI actually has tons of properties included in our system too and I know it would be against the terms there to make that a requirement so I wonder if that means they have different rules depending on where the booking originated...

I have run into the same situation here in the States. I have reserved accommodations by phone and online using one credit card and tried to pay the final bill with a different one. I was not allowed to change cards even though the charges had not been submitted to the CC company yet. A majority of the time I will be asked at check-in if I want the charges to be placed on the CC I used for the reservation. But there are places, including higher end hotels, out there that will not allow you to change cards.

We also had a problem with a particular (major) airline, though I honestly can't remember which one. I booked 2 RT tickets to Florida using my American Express card. Beerman is also on that account but his card's last digits are not identical to mine. (It is not a separate account.) I knew I would not be using the first half of my ticket but it was cheaper to buy a RT than a one-way return. It also allowed us to be on the same plane coming home. (I helped a friend with the driving when he moved and Kris met us there.) I didn't think about it at the time and left my AmEx card at home. When we went to do auto check-in for our return, Kris swped his card and it rejected us. We had to talk with a ticket agent and it was quite a hassle. Seems the airline cancelled my return portion of the ticket since I had missed the first leg. It could have been reinstated if I had the exact card used for the booking. Instead, it had to be completely taken out of the system, Kris' CC used and then we were told the plane was full so he could make the flight but I would have to take the next one. After quite bit of "discussion", I got on the flight and it was far from full. The agent also asked to see my driver's license and another credit card. She was quite confused when the name wasn't identical and tried to tell me I wasn't me. My license has my maiden and married sir names hyphenated while the CC has my maiden sir name as my middle initial.

Sorry for "horror" stories but it may be beneficial to have a credit or debit card in your own name. I agree with Sam that it shouldn't be a problem and it probably won't be - just be prepared.

6. Posted by Frankov (Budding Member 3 posts) 8y

thank you guys for your help:) My friend is fine with me using his card. Iam staying in a small hostel so that shouln't be a problem (hopefully). Do I need to have my friend'd card with me during my trip?
I'll probably have my card back next week. How ironical!

7. Posted by Mel. (Travel Guru 4567 posts) 8y

Hello Frankov:)

Before I got my own credit card I used to ask my brother or friends to use theirs to pay for things for me.
It was not a problem.
The only time I have problems with my credit card these days is when people question the name on it when I have to use it as ID for train tickets I buy online. My boyfriends name is on the credit card and mine is on the tickets I buy.
There are never problems when I pay for accomodation online with it.
When I took the credit card to a consulate to pay for a visa recently it was no problem even though it has my boyfriends name on it and I signed my name on the payment slip.

U dont need to have your friends credit card with u on the trip. Not for hostel bookings anyway
Just book the hostel in your name with his credit card and make sure u receive the confirmation of the booking. This usually arrives by email.

Mel

[ Edit: Edited on Nov 28, 2007, at 12:25 AM by Mel. ]

8. Posted by sapphyre (Respected Member 418 posts) 8y

Just in case I cause any unnecessary uproar, I stayed at a few HIs when I backpacked along the east coast of Canada and not all insisted on me producing the same card I used for online booking. Can't remember which one/ones did though. That was 3 years ago so maybe things have changed?