If you return the car damaged then your credit card will be charged, I take it they took a copy of your card before you drove off. If you didn't take out the extra cover, usually around $20 per day more, then your excess cover will be between $800 US and $1,200 US and they will charge you and not alot you can do about it.
People mentioned above about inclusive coverage on CC, I know nothing about that.
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