Yes, Enterprise Rent-A-Car can attempt to charge a closed credit card, but the transaction will be declined by the bank. This situation typically arises from a pending pre-authorization hold placed on your card at the time of rental. While you are ultimately responsible for all valid charges, a successful charge to a closed card is highly unlikely. The key is to proactively update your payment method with Enterprise to avoid complications, potential late fees, or account collection actions.
When you rent a car, Enterprise places a hold on your credit card for an estimated rental amount plus a security deposit. This is a temporary authorization, not an actual charge. The final charge is processed when you return the vehicle. If you close that card account after the rental but before the final charge is submitted, the payment will fail.
Your responsibility is outlined in the rental agreement you sign. It states that you are liable for all charges incurred. If the primary card on file is declined, Enterprise will use the contact information you provided to reach out for an alternative payment method. If unresolved, the account may be sent to a collections agency, which could impact your credit score.
To handle this smoothly, contact Enterprise's customer service immediately upon closing a card you used for a rental. Provide them with a new, valid credit card number. It's also wise to keep the card open until you receive the final receipt and confirm all charges have been successfully posted.
Here is a summary of typical hold amounts and timelines for different vehicle classes:
| Vehicle Class | Estimated Pre-Authorization Hold Amount | Hold Release Time After Return (Business Days) |
|---|
| Economy/Compact | $200 - $300 | 1-3 days |
| Intermediate/Standard | $250 - $400 | 1-3 days |
| Full-Size/Premium | $300 - $500 | 1-3 days |
| SUV/Minivan | $400 - $600 | 1-3 days |
| Luxury Vehicle | $500 - $750+ | 1-3 days |
