While I absolutely loathe dark patterns, I just wanted to share one thought.

They may have to "add" you to their insurance plan or carrier before renting you the car. That infuriating service fee might actually be personalized for your driving record.

As for the credit card, it is user-hostile at best to demand this before being able to see a price. I wish there was an easier way to complain about businesses that openly violate terms of the standard merchant agreements. Imagine a physical store requiring you to swipe a credit card before being able to enter. Amazon had to allow for customers without phones or credit cards at their "Go" stores for compliance reasons.