To the ERACer who thinks the customer was probably at his cc limit: (1) the customer mentioned that his Amex card had an insurance coverage, (2) there's no reason to doubt him on this, (3) only Amex gold cards and above come with rental insurance coverage, and (4) finally, all Amex gold cards and above have no spending limits. My guess is that the employee was trying to strong arm the customer into taking CDW.