Spiff .. I will speculate here that NO car dealer on earth selling a new vehicle is going to let 3% abort a sale!

On $20K that is $600.

Here merchants on high ticket items like cars get down to 1.5% on Visa and M/Card, so that is $300. We all at the last momeent nearly all will sign only if they "throw in" factory mudflaps, mats, CD player, side striping, or whatever, and this is the last "stinger' to inflict on the salesman. A few $100 is not going to see him let you walk away. He just won't toss in that CD player.

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~ Glen ~