Complete Guide
What is the "Credit Card Test" for Scratches?
The industry standard for "normal wear": if a scratch is hidden by a credit card, you shouldn't pay.
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disputed charges that exceed manufacturer standards
The Credit Card Rule
Almost every major auto lender (BMW, Mercedes, Toyota, etc.) uses the Credit Card Test to define normal wear and tear for exterior damage.
The Standard: If a scratch, dent, or ding can be completely covered by a standard credit card (approx. 3.3" x 2.1"), it is considered "Normal Wear and Use" and is not chargeable.
Why this matters: Inspectors often mark *every* scratch they see. By using this test, you can prove that 90% of them are non-chargeable minor wear.
Exceptions (When Size Doesn't Matter)
- Even small damage can be charged if it is severe:
- Deep Gouges: Scratches that go through the paint to the metal/primer.
- Punctures: Any hole in a bumper or panel.
- Spider Cracks: Cracks in paint or glass that could spread.
- Alloy Wheels: Curb rash is often judged by a different standard (e.g., "length of a dollar bill").
Frequently Asked Questions
Does this apply to windshields?
No. Windshields have stricter standards. Usually, chips must be smaller than a quarter and not in the driver's line of sight.
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