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Should I do a charge back with a credit card?

Posted on 12/11/15 at 12:23 pm
Posted by accnodefense
Trump Fan
Member since Dec 2010
6279 posts
Posted on 12/11/15 at 12:23 pm
I rented a car a couple weeks ago for Thanksgiving. At the car rental place (Alamo) I told them I DID NOT WANT THE ADDITIONAL INSURANCE. Yet they put it on my bill. So before I took the car off the lot I went back in and said I didn't want it. The guy told me I wouldn't be charged for it.

I return the car the next week, get my receipt and the additional insurance is on there. I said I didn't want it and they said its just on there because its like a "hotel hold" and I wouldn't be charged.

I check my credit card statement 3 days later and they charged me for it. I called Alamo and they said they will handle it but its been a few days now and I am getting impatient. Should I call Alamo back and see what the deal is or just do a charge back.
This post was edited on 12/11/15 at 1:01 pm
Posted by TigerDonk
BR
Member since Dec 2011
1248 posts
Posted on 12/11/15 at 12:30 pm to
Call Alamo then call your issuer. I can't believe I wasted any energy typing this.
Posted by accnodefense
Trump Fan
Member since Dec 2010
6279 posts
Posted on 12/11/15 at 12:32 pm to
Well I am not a credit card person. I ONLY use it for renting cars which is like 3 times a year.
Posted by GOON
Fantasy Land
Member since Mar 2008
7399 posts
Posted on 12/11/15 at 12:52 pm to
Companies don't want to get chargebacks. That doesn't necessarily mean that they will do anything, but if they get too many, the card issuers can levy penalties. Call them and tell them if they don't fix it you will call your card company and perform a chargeback. They will likely fight it, but your bank will typically side with you if you can provide any kind of justification.
Posted by accnodefense
Trump Fan
Member since Dec 2010
6279 posts
Posted on 12/11/15 at 12:54 pm to
quote:

Companies don't want to get chargebacks. That doesn't necessarily mean that they will do anything, but if they get too many, the card issuers can levy penalties. Call them and tell them if they don't fix it you will call your card company and perform a chargeback. They will likely fight it, but your bank will typically side with you if you can provide any kind of justification.


Well the pickle I am in is that my credit card payment is due on Monday, and I called Alamo this past Tuesday and so far haven't heard back from them. I don't want my credit card bill payment to be late incase this isn't resolved by Monday.
Posted by DCtiger1
Member since Jul 2009
11928 posts
Posted on 12/11/15 at 12:58 pm to
quote:

my credit card payment is due on Monday


is the minimum payment your entire current balance?
Posted by Spilled Milk
Member since Mar 2015
1075 posts
Posted on 12/11/15 at 12:58 pm to
So do a charge back

Would you like me to walk you through the steps of wiping your arse? Remember, big boys stand up to pee...I don't care how mommy does it!
Posted by Topwater Trout
Red Stick
Member since Oct 2010
70178 posts
Posted on 12/11/15 at 12:58 pm to
quote:

credit card payment is due on Monday


the rental is on this bill?
Posted by accnodefense
Trump Fan
Member since Dec 2010
6279 posts
Posted on 12/11/15 at 1:00 pm to
quote:

is the minimum payment your entire current balance?


Minimum payment but I always pay the entire balance so I don't get any interest.
Posted by accnodefense
Trump Fan
Member since Dec 2010
6279 posts
Posted on 12/11/15 at 1:01 pm to
quote:

the rental is on this bill?


Yes
Posted by Topwater Trout
Red Stick
Member since Oct 2010
70178 posts
Posted on 12/11/15 at 1:02 pm to
I don't see how they can credit your bill before Monday...you will just have a credit for next month
Posted by GOON
Fantasy Land
Member since Mar 2008
7399 posts
Posted on 12/11/15 at 1:15 pm to
Your payment has nothing to do with it. You can process a chargeback at any time. Just pay the bill and then get a credit later if you do the chargeback.
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