You just have to say your credit card covers it and they shouldn’t hassle you about it. Make sure you decline all of it. I think there is some stipulation with the credit card companies that it all needs to be declined, not sure why. This was a concern in Iceland because they had some volcanic ash and gravel coverage that I wasn’t familiar with and not sure if the cc would cover in case it occurred.
For car rentals though, I like Enterprise. I don’t think you even need to talk to anybody if you don’t want to? Maybe it’s a status thing.
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