When I was handling the car rental, the staff asked if I had purchased collision damage waiver insurance. I said I already had, but she responded that it wasn't from their company and suggested I buy their waiver insurance. I declined, and the company froze 2000 NZD on my credit card (but the bank notification indicated it was charged). I asked when the amount would be refunded if there were no collisions, and she said within five days after returning the car. I returned the car on April 15th without any incidents. As of today, May 8th, I still haven't received the refund, which has affected my credit limit and other credit card transactions in New Zealand.