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Old Jan 12, 03, 10:34 am   #1
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Do car dealers allow use of credit card ?

I want to make a partial payment using DL AMEX credit card. I have never tried it. Do dealers anyway allow payment thru CC?
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Old Jan 12, 03, 10:52 am   #2
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Do a search and you should find plenty. From what I have read, various dealers have different rules. Some have a cap on the $$ amount, others do not care.

I bought a car last week and the salesman suggested I charge the $16k on a card. Though I had thought about that before, it totally slipped my mind and I did charge it to a hotel card.
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Old Jan 12, 03, 11:10 am   #3
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Mercedes Benz in my area allows about $2K to be charged. Basically, the deposit only.
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Old Jan 12, 03, 11:16 am   #4
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Our Subaru dealer let us put the $3K deposit on our CC.
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Old Jan 12, 03, 11:27 am   #5
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The MINI Cooper dealer in our area allows up to $1500 on CC.
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Old Jan 12, 03, 11:34 am   #6
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It depends on how good of a negotiator you are more than anything else. Negotiate your best price and offer the credit card. If they refuse the card let them know you will need to talk to your banker in a couple of days and see if he can arrange a car loan. Don't EVER let the dealer arrange a loan for you. Then leave!!!! If they let you leave they will call within a couple of days to see how you are doing. Tell them you haven't been to the bank yet and that a friend gave you an internet site where you can get some really FABULOUS deals and they take credit cards too!!
In most cases I'll bet you have a second call from the dealer before the day is over.

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Old Jan 12, 03, 11:41 am   #7
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It is dealer specific. I charged my entire down payment $16K on my credit card. But I know that another dealer in the area allows a max of $2K on the card
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Old Jan 12, 03, 12:20 pm   #8
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When it came time to pay for my current car I gave them my AmEx. (I had previously checked to make sure they'd authorize the charge). They balked. I pointed out, nicely, that their merchant agreement requires them to take it. They offered to give me LoJack, already ordered, free if I paid cash. Since the $695 price was worth more than the miles to me but their own cost for it was less than their credit card fee would be, it was a win-win for both of us. I wrote them a check.

So, even if they won't take (or won't want to take) a credit card, it can pay to suggest it.
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Old Jan 12, 03, 2:25 pm   #9
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I put the entire $12K (new small truck) on my Visa card. Some dealers do - some don't. I made mine a deal breaker. This was a Chevrolet dealership.
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Old Jan 12, 03, 2:54 pm   #10
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My experience was similar to Efrem's. In my case, it involved a Lexus. I initially sent out e-mails to a number of area dealers and a number of auto purchasing web sites (never received responses from several). In addition to details on the vehicle I was looking for, I was explicit that I wanted to charge the vehicle on my Amex (after checking with Amex). I was late enough in the model year, that only one dealer actually had the vehicle configuration I was looking for. The rep was close to indignant when I reminded him that I wanted to charge the entire purchase price. They said that dealership "policy" was a max of $2,500 but would allow me to charge $5,000. If I thought that any similar vehicles were nearby, I would have walked (and maybe should have anyway).
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Old Jan 12, 03, 4:24 pm   #11
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The finance charge is a huge hit for them, so some don't do it, some don't ca
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Old Jan 17, 03, 4:58 pm   #12
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My brother is in the car business. Of course, they don't want to take credit cards in large amounts because of the bank charge. That's when you walk out of the dealer and let them chase after you and beg you to take the credit card and buy the card.

Charge what you want, not what amount they say.
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Old Jan 17, 03, 5:25 pm   #13
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In the current economy, they will pretty much always except it if you play it right.
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Old Jan 17, 03, 11:56 pm   #14
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Thank you spiff. Very useful info.

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Old Jan 18, 03, 5:01 pm   #15
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I put $3k on AMEX for a Toyota. It was the max they would allow, as otherwise I would have put the entire amount on.

Six years ago, I charged $2k on a Visa for the down payment on another car.

Other than being told what the limit was, I had no hassles, and I did spring it on them after price, etc., had all been finalized.
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