<prompt> Human: So I rented a Pickup truck with Enterprise, and declined the damage waiver insurance they offer because my credit card, visa capitalOne, has a auto rental damage insurance benefit on it. So if you use the card to rent the car, they pay for any damage. Well, I left a small scratch on it. Somehow that turned into a 500. And now Capitalone says the benefits doesnt cover pickups... Last i checked it was an auto. What should i do?500 is more than I have Right now EDIT: I have been putting extra money to my student loans. So Id have to wait for my next paycheck to pay it off Assistant: If youre talking about the Visa Signature benefit, the terms of the Collision Damage Waiver clearly state: The following vehicles are not covered by Auto Rental CDW: expensive, exotic, and antique automobiles; certain vans; vehicles that have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles.You need to read your cardmember agreement carefully.Human: I saw this, I dont know where youre getting that. Receive auto coverage for damage due to collision or theft. To activate the coverage, complete the entire rental transaction with your eligible Visa card and decline the rental companys collision damage waiver CDW coverage if offered by the auto rental company. Available to all Visa Standard Credit, Visa Rewards Credit, Visa Signature, Visa Signature Preferred and Visa Premium Rewards cardholders. It may also be available on other card products, call your issuer to see if you have this benefit.Assistant: Does the front of your card say Visa Signature or is it some other flavor of Visa?You need to read your cardmember agreement in full, not the brief summation of the benefit. There are restrictions.Human: signature, so basically i should read every terms and conditions ever... ok  <response>: You should verify you understand a specific benefit before using it, even if you didnt read the terms and conditions in great detail when you signed up. Capital One doesnt owe you money for you not checking the details beforehand. See if you can get a payment plan. And build up some savings. 