以你的名义租车么？

Almost everyone has 百金卡, unless new students. Check your other card, some may have better benefit for car rental.

I think there is nothing called 抵押 ba? Just use it to pay for it.

"涨我的点数", what is that? You mean APR?

It should have nothing to do with 信用记录. Credit hisotry is for credit, not for car accident.

But one thing is sure: at the time of rental, you must declare that there will be 4 drivers, and all 4 drivers must be listed on the rental agreement. Of course, this will cost you more for the rental fee. Also, you can buy the insurance from the car rental company at the time of car rental. Because your credit card's car rental insurance is very likely to be "secondary" only.

If you are unsure, then I suggest you do the above two, just for safe. Thought it will cost you more. I think everyone will agree that, just do not try to save money on insurance.

Good luck.

谢谢。

我们是这样的

A租车，网上已经租了。但是他没有百金卡，所以，说，取车的时候，留我的信用卡信息。

我问的“点数”是只开车保险的那个point step，我现在是9点，最好的，出事 就涨点，保险每年都会涨很多。

我就是担心，A租车，留我信用卡的信息，另外还有A的家属B和我的家属C，我们共四个人一起轮流开车。如果，中间出了事，会不会影响我的车保险点数？

Please read my previous post, especially the last two paragraphs. I still I think that are the best advice for your situation. Correct me if I am wrong.

Good luck.

从来没有听说要用白金卡“抵押”才能租车。只要有合法驾照，什么付款方式都能租车，包括cash。

我的理解是，使用白金卡的“car rental insurance”这个benefit吧？如果这样，就代表，万一出事儿，由提供租车保险服务的信用卡公司支付事故支出，当然，这种情况下，恐怕持卡人也是被默认为driver的，其车保险历史必然受影响。

所以，要想免责，就老老实实加4个driver，买租车公司的租车保险，免得万一有事儿扯皮起来大家尴尬。

并且，不是只有什么白金卡才有这种保险服务，很多卡都有，american express就有的。