These are your advantages:
Credit card is not necessarily necessary
On request, payment in cash (locally), by credit card, direct debit or by Paypal.
When paying for the rental car, the credit card can also be that of a fellow traveler.
You need a rental car, but do not want to deposit, but pay the car in cash, credit card or Paypal? We can understand that well. Therefore, we have the all-inclusive package for renting a car without a deposit.
When does the full insurance take off can you read here.