Originally Posted by
jackal
Interesting note: the
Visa acceptance guide for the car rental industry states the following:
Now, that document isn't a legal contract, and it's possible that the merchant agreements that major car rental companies have with their credit card processors could supersede the above information, but it's been my experience that regardless of the verbiage in the contract (which inevitably does include the ability to charge for damages), banks will indeed substantiate a chargeback against a delayed charge for damage. (This may be one reason why Enterprise always immediately charges the customer's deductible for damage at return--that way, it's not a delayed charge.)
There are other things in that document that major rental car agencies do violate...
The Visa Merchant Agreement is clear, the Merchant can't use the Visa payment system to process delayed charges unless the customer has consented in advance. As I noted earlier, take a look at the rental agreement and you will see that the customer did consent. Unless, as I also noted, OP, who seems to have dropped off the face of the earth, was able to negotiate a different contract with Hertz in this instance. Not.