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Skimmed through this thread.
When I was taking my car to my dealer for any service, I would set up an appointment and request that a loaner be available for me. Never have I ever expected them to come pick up my car. When I get there, my dealer would walk around my car to note any issues they've detected with the car; which there is always none. The checkout sheet is brought to me for me to sign off on acknowledging any blemishes/damage they found on my car.
With the loaner, we would do the same. A walk around of the car to make note of any blemish/damage to the loaner. Notation of the current mileage and how much gas is in the tank by approximation of what the fuel gauge indicates....not by the exact amount of gallons in the tank. A credit card is ran as a hold for any potential damage or fuel that I don't replenish. They also want a copy of my insurance with a maximum deductible for collision at $500. There is a daily mileage limit which I forget how much that is. I've only had to address this once with my dealer and was told it was ok by my SA since I had a trip already planned and they were keeping my car for a few days to get things addressed.
When I return the car, I only fuel up to what we saw indicated on the fuel gauge on pickup of the loaner and never had a problem.
The service department did do me a favor once. One of the times I had my car in for service they discovered the comfort access module was bad. They wanted to verify this with the spare FOB. My now ex wife had it with her and she was fairly close to the dealer at her job. So they drove to her work to pick up the spare FOB to do some testing.
As far as credit card fees being charged to me, I don't know now as I haven't been to my dealer in years since around Covid. Back then when I had them do an adaptations reset for my DCT, they didn't charge anything extra to use a credit card for the labor. I did recently have to have my car worked on by an indie. They put up front a credit card fee and listed it on the estimate. If I paid cash, that fee was waived....which I did. I also got the same thing with my boat at my local boat yard for hull work and other miscellaneous things I wanted done. Paid cash to not have to pay the credit card fees they were going to charge back to me.
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