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What should I do if I find that my credit card limit is insufficient when renting a car? What are the rules for credit card guarantees?

Under normal circumstances, if the credit card limit is not enough, you can use two credit cards to pre-authorize. If this is possible, freeze the car rental pre-authorization on the credit card, and you can rent all models.

If the amount is still not enough, for car rental pre-authorization of 5,000 yuan or less, you can pay a deposit (debit card payment) equal to the car rental pre-authorization; for car rental pre-authorization of 5,000 yuan or less, The above car models need to be guaranteed by relatives and friends with credit cards.

Credit Card Guarantee Rules:

1. When the customer needs to rent a car model with a pre-authorization of more than 5,000 yuan, and he does not have a credit card that meets the requirements, a relative or friend can provide a credit guarantee, and the guarantor will be responsible for the rental. The guarantor shall bear unlimited joint and several liability for all expenses and liabilities incurred during the rental period;

2. The guarantor must present the original of a valid identity certificate and hold a valid credit card with sufficient credit limit to pre-authorize the rental of the car on his behalf, and Sign the "Car Rental Contract" with the renter;

3. Each guarantor can only guarantee one vehicle at a time, that is, he cannot guarantee the rental of other vehicles before the vehicle he guarantees is returned;

4. The guarantor is limited to customers in mainland China.

In addition, you can also apply to the bank for a temporary limit increase. Generally, as long as the card has been held for 3 months and there is no bad consumer credit record, the bank will approve the cardholder's request.