This is a haphazard rant, not a review. Gee, why would someone entrusting you with a $40000 vehicle want some notion that you are maintaining a basic responsible financial relationship, with the ability to charge for dings and policy violations? It is not your call to determine Silvercar’s assessment of the marketplace from a qualification standpoint.
That this wondrous hipster demo doesn’t want bougie credit cards is part misnomer and part irrelevant. Get a card and don’t use it, perhaps, but show you can maintain one like an adult.
You know who was a big boy and had a credit card? Your boss. He or she earned a position of oversight partly based on characteristics of insight.
If you took away the credit card narrative and “I’m not a car reviewer” syllable salad, this review would have indicated you obtained a vehicle and turned it in.