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TIFU by losing my cellphone at the grocery store

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TIFU when I didn't check my default credit card for Avis.

My husband and I rented a car in Portugal and unfortunately there was minor damage done to the car. Was reversing into a space in a parking garage that had ductwork plastered the same color as the wall. Didn't see it in the mirror or backup camera, and the car sensors didn't sense it either. Left a dent in the back of the wagon. I had waived the CDW insurance as I always do since I have rental car damage reimbursement through Chase Sapphire. I've never had to use it before. When I returned the car I was the damage would be charged to the card I booked with. Well, that was untrue. I was charged $850 to my Southwest card which was my default payment in the Avis app, must have done this a long while ago. I called Avis and they started a claim to have the bill transferred. They emailed me to say that charges due to damages cannot be transferred. So now I'm out $850. TLDR; I will not be reimbursed $850 for not double checking which card was charged for my rental car damage.

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