If you are wondering about what your credit card will cover, it varies. I was trying to rent a car in Georgia, when they declined me because my MasterCard was not a credit card, but a debit card and I assumed it would work withesame services and protections as a credit card. I managed to convince them to let me rent the car and I bought the additional liability and collision coverage. I had always thought that being a responsible person and not not having a credit card was the right thing to do until I found this out. I tried to apply or a Costco credit card, but my credit rating was crap even though I owned a house. So, now I've got a couple of credit cards and I charge a bunch of shit on them and I monitor my credit rating.

This is a typical credit card agreement.

>Provides reimbursement for damage due to collision or theft for most rental vehicles when traveling within the U.S. and abroad.

Within your country of residence, coverage is secondary when renting for personal reasons and supplements any valid and collectible insurance or reimbursement from any source. Outside your country of residence, you do not have to claim payment from any other source of insurance before receiving coverage under this benefit.

Initiate and pay for the entire rental transaction using the covered Chase card and decline the rental company’s collision damage waiver or loss damage waiver.

If you have questions about a specific vehicle or rental, check with the Benefit Administrator prior to your travel.

Who’s covered

Cardmember (name is embossed on the card and listed as the primary renter)

Additional drivers permitted by the rental agreement (authorized persons)

Coverage amount/period

Up to the actual cash value of the rental car

Vehicle rental periods that do not exceed nor intend to exceed 31 consecutive days

>What’s covered

Physical damage and/or theft of covered rental vehicle

Reasonable and customary towing charges related to a covered loss to take the vehicle to the nearest qualified repair facility

Valid loss-of-use charges incurred by the rental car agency