Which example does NOT typically require a credit card for rental according to underwriting guidelines?

The correct answer indicates that certification rental typically does not require a credit card according to underwriting guidelines. Certification rental refers to instances where equipment, vehicles, or tools are rented for training or certification purposes, often in specialized fields. These rentals are usually managed under different agreements or financial terms that do not necessitate the security deposit or credit evaluation typically associated with other types of rentals.

In contrast, retail rentals, body shop rentals, and insurance rentals usually do require a credit card. Retail and insurance rentals involve transactions where the rental agency needs assurance that the customer can cover potential damages or ensure payment. Similarly, body shop rentals, which involve vehicles being rented for repair purposes, may also require a credit card for similar financial security. Each of these scenarios often includes more stringent underwriting guidelines that prioritize risk assessment and financial responsibility, leading to the need for credit card usage.