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Debit cards have become the preferred way to pay for many things. According to the Federal Reserve, debit card transactions have been growing more than 20 percent annually and have surpassed credit card transactions. That's not surprising when you know that debit cards have replaced cash for everyday items such as gas and groceries.

But, some consumers reach for the debit card for higher-ticket items. For most companies, accepting a debit card is not a problem. For car-rental companies, though, the customer is driving away with the merchandise, and, unlike a TV, the customer is expected to return it. Most of the major rental companies require a credit card to initiate the rental, even if a debit card will be used to make payment upon return of the car. And most companies will accept only a co-branded Discover, Visa or MasterCard debit card. Those companies that do allow a rental with a debit card often put an authorization hold on the debit card during the rental, usually between $300 and $500.

Yes, the unused funds will be returned to your account after you return the car, but it might take up to two weeks for the funds to be released back to your account. Credit cards also have authorization or holding fees. When you use a credit card to rent a car, the estimated amount of the rental will be put on the card but the transaction is not put through, thus the term "holding" fee. When you return the car and keep the charges on that credit card, the transaction is processed. If you choose to pay with a different card or a debit card, the transaction on the first card is canceled and put on the debit or other credit card. However, it may take time for that hold or authorization on the first credit card to be removed. If you change form of payment, be sure to ask the car rental company to remove the hold. You should also check with your bank to see if there is a daily purchase limit on your debit card. If the amount you attempt to debit is greater than the bank's limit, your card may be frozen for a period of time.

Need a new car loan?
If you are buying a new car, chances are you may not be able to afford it all up front. And this is where a new car loan comes in. A new car loan allows you to finance a new car in affordable monthly repayments. New car loans are big business, and there are lots of products on offer, so you can afford to cherry-pick the one that is right for you. There are a number of companies that will offer a new car loan, so it makes sense to shop around. To access companies who may offer you a new car loan, you can start searching here. And don’t forget, when looking for a new car loan, not only check out the monthly repayments, but look at how much interest you will be charged and over what period. That way you’ll get an affordable loan that you are comfortable making repayments with rather than one that eats into your bank balance every month!

Getting a used car loan
If you are buying a used car and need to finance it, why not consider a used car loan. A used car loan will enable you to buy the vehicle you want at an affordable price and without making a big dent in your bank balance. The used car loan is such a big market, that there are lots of products and offers out there to choose from. There are a number of companies that will offer a used car loan, so make sure you shop around for the best deal. If you are looking for a used car loan, you can start searching here. And to ensure you get the best deal for you, make sure you check out and compare the different interest rates. That way you’ll get an affordable loan that you are comfortable making repayments with rather than one that eats into your bank balance every month!

Start with oil and filter changes every 3,000 miles if you use conventional oil, or every 5,000 miles if you use synthetic oil. Proper lubrication prevents wear on expensive engine parts and can even save you money on gasoline by improving your engine's efficiency.

Make sure that with every oil change, your mechanic checks your transmission fluid (the liquid that lubricates your transmission), coolant (the blend of water and antifreeze in your radiator) levels, and brake-fluid levels. Cars lose some of these fluids over the course of normal driving, but big drops in the levels can clue you in to problems before they become serious.

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