Monday, May 4, 2015

Book a hotel room without a credit card?

Author and radio talk show host Dave Ramsey.
Author and radio talk show host Dave Ramsey.
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Dear Dave,

Is it possible to book a hotel room without a credit card?

-James

Dear James,

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  • More personal finance advice from Dave Ramsey
  • Absolutely, it is. Just use a debit card.

    I don't have a credit card. When it comes to finances, the only pieces of plastic you'll find in my wallet are two debit cards-one for my business, and the other for my personal account.

    A Visa or Mastercard-branded debit card can be used anywhere credit cards are accepted. And the best part is that you're not borrowing money when you use one. The funds come directly from your checking account. Some hotels might put a temporary hold on your account for the amount in question, so you need to make sure you actually have the money in the bank. But that just makes sense, doesn't it? You shouldn't be traveling without money in the first place.

    If you're too broke to travel, then you need to stay home. Pretty simple!

    -Dave

    Dave Ramsey is America's trusted voice on money and business. He's authored four New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover and EntreLeadership. His newest book, written with his daughter Rachel Cruze, is titled Smart Money Smart Kids. It will be released April 22nd. The Dave Ramsey Show is heard by more than 6 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com.

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