Can Avis Charge My Debit Card for Windshield Damage?

So, I picked up this rental car from Avis a few days ago, all smooth sailing with using Klarna through Apple Pay to book. When I got to the airport to grab the keys, they wanted a credit card for the usual hold they slap on your account. Now, I’m all about that Apple Pay life, so I didn’t have a physical credit card on me. Lucky for me, I had my trusty ol’ debit card, and after a bit of extra checking, they were cool with that for the hold.

Fast forward to today, cruising to my hotel, and bam – notice a couple of little chips on the passenger side of the windshield. No biggie, right? Wrong. One of those chips decided to throw a party and crack the windshield like it’s trying to make a statement. Florida’s been on some wild weather vibes, and debris flying around on the highways didn’t do me any favors.

Now, here’s the kicker – I skipped out on the extra insurance Avis offered ‘cause it was already costing me an arm and a leg, and doubling that cost was just not happening. I checked out some posts on here, and everyone else seemed to use credit cards for everything, from booking to that hold at pickup. Me? Nah, I did the Apple Pay and debit card combo.

So, am I in a jam? Do I just drop the car off and hope for the best, or wait for them to bring it up? And if they do, how do I handle it (like, do I push back)? Plus, since I used a debit card for that hold – not the norm, apparently – can Avis just dip into my checking account whenever they feel like it?

This whole car rental thing is new to me outside of work trips, so any tips or insights would be clutch. Hit me up with some advice, folks!