Has anyone successfully charged a new car to a credit card for the rewards points? - Page 3 - The DIS Discussion Forums

AnnaS · 03-07-2013, 07:04 PM

We have bought a few cars over the years - ours and my two sons. Different dealers of course - they have only allowed us to charge a few thousand. I thought maybe they were trying to cover themselves so people don't leave and change their minds about the purchase

sharonmickey · 03-07-2013, 07:25 PM

When DD bought her first car 18 months ago we charged 6,000 to my Disney Visa. She and her husband bought a car again in November, this time they went to a different dealership. This dealership refused to take a credit card.

3boymthr · 03-07-2013, 07:33 PM

Quote:

Originally Posted by LoveBWVVBR

Did that get you rewards points though? I did consider using "special offer" checks if the dealership wouldn't take the credit card directly. Don't know if you get rewards points on those tho??

This was a while ago so I have to say I honestly don't remember. I'd say read the terms on the checks and also call the CC company to ask them. It's certainly worth a shot.

I do remember that the dealership tried to talk us out of it and to take a loan. We told them take the check or no deal as we weren't paying 8.5% when we could pay 0%.

davedmaine · 03-07-2013, 08:38 PM

Quote:

Originally Posted by LoveBWVVBR

Clearly we'd pay it off immediately, so no interest involved. I've been doing much research on this online, and it looks like it IS possible as Visa and Mastercard do not allow their merchants to limit transactions per their merchant agreements. Once I have the deal hammered out on my new car, how do I insist that they allow me to charge it? Do I just get up and walk out or what? I'm not emotionally invested in the new car...there is always another deal. The icing on the cake would be the rewards points for the purchase tho. Thanks!

The dealership doesn't want to do it because they'd get hit with a huge merchant services bill for the transaction

SamSam · 03-07-2013, 09:33 PM

Quote:

Originally Posted by davedmaine

The dealership doesn't want to do it because they'd get hit with a huge merchant services bill for the transaction

This is it. When a credit card is used, the merchant pays a fee for that. It varies depending on what company they run their car charges through but it can be a pretty good hit to them.

taaren · 03-08-2013, 12:30 PM

As others have said, most dealerships have non-negotiable limits on what they will accept for CC. When we bought DH's car it was $5k. The dealership I bought mine from only allowed us to charge $2k, but they made a deal with me where they gave me the car I wanted for about $800 less than any deal another dealership offered me (it was pretty darn close to invoice/destination fee/tax/licensing, not much profit for them other than the factory kick back).

windycitymom · 03-08-2013, 01:39 PM

We just bought a VW Passat and the dealer said $2000 was the limit we could put on a cc. Looking back maybe I should have negotiated to put more on a cc. Instead, I wrote a $8000 check.

Shelly F - Ohio · 03-08-2013, 04:39 PM

Don't forget to ask your insurance agent if you can charge your premiums to your CC. Allstate does!.

mrspaha · 03-08-2013, 07:14 PM

We bought a car last year, and were only able to put $2,000 on our credit card. My daughter also bought a car last year, and they wouldn't let her put any of her down payment on a credit card.

zurgswife · 03-08-2013, 08:22 PM

Another person with only 2K allowed here.

LoveBWVVBR · 03-09-2013, 07:44 AM

Well, they let me put 3K on the credit card when I bought the car yesterday. From the glance exchanged between the finance guy and the guy who did our papers, I feel that this amount is likely variable. However, we got a really, really good deal on the car through TruCar and way more for my trade than we should have (due to some aggressive negotiation on our part), and as a result, I did not feel like playing hardball over putting the other 14K on a CC. Oh well...at least it's $30 for Disney, right?

luvmarypoppins · 03-09-2013, 10:21 AM

We put the whole amount n our credit card. After dh made the deal he asked the salesman.

Salesman talked to the manager. Got approval since they didnt want to lose the deal.

Dh told them their dealer prep fee would more than cover the credit card fee etc.

All the people there said, heah, what are you trying to do, get a free vacation. Dh said, yes!!

He called the cc company and told them to increase our limit etc.

If this is still their policy we would probably use this dealer again, just for this fact.

Our cc allows us to use points for disney rooms so its a win win for us.

Chuck65 · 03-09-2013, 11:29 AM

It does vary by dealer. I have a wealthy relative who bought a Land Rover a few years ago and was going to put it on her credit card. The dealer called the cc company and, no lie, the cc company asked how many did she want to buy.

03-07-2013, 07:04 PM	#31
AnnaS The puppy has now left the building and I am exhausted Will you be rolling? I can't wait to try them all Join Date: Jul 2001 Location: Staten Island, NY Posts: 6,090	We have bought a few cars over the years - ours and my two sons. Different dealers of course - they have only allowed us to charge a few thousand. I thought maybe they were trying to cover themselves so people don't leave and change their minds about the purchase __________________ DVC 10/00 OKW - 6/02 BCV January 2013 - SSR, May 2013 - OKW July 2013 - Disney Fantasy Western OKW Stay too - October 2013 - BCV F&W DCL '01 Eastern, '03 Western, '05 West Coast Cruise ºoº '07 11 N. Med. Cruise WDW - CBR, POR, OKW, BWV, BCV, AKV, VWL, HH & VB, SSR

03-07-2013, 07:25 PM	#32
sharonmickey DIS Veteran Join Date: Jun 2005 Location: Pennsylvania Posts: 893	When DD bought her first car 18 months ago we charged 6,000 to my Disney Visa. She and her husband bought a car again in November, this time they went to a different dealership. This dealership refused to take a credit card. __________________ 1978 - First Trip, 1980, 1985 - all offsite 1995 Dixie Landings, 1997 ASMu, 1998 ASMu, 2000 ASMu, 2001 ASMo, 2003 ASMo, 2004 POR, 2005 POFQ, July 2005 Disney Cruise, 2006 POR, February 2007 - All Star Sports, 8/3/07 - 8/9/07 - Pop Century 2/20/08 - 2/25/08 ASMu 7/13/08 Disney Cruise 5/11/10-5/16/10; 12/17/11-12/23/11 - Pop Century

03-08-2013, 12:30 PM	#36
taaren "There is more treasure in books than in all the pirate's loot on Treasure Island." - Walt Join Date: Jan 2010 Location: Northern California Posts: 2,529	As others have said, most dealerships have non-negotiable limits on what they will accept for CC. When we bought DH's car it was $5k. The dealership I bought mine from only allowed us to charge $2k, but they made a deal with me where they gave me the car I wanted for about $800 less than any deal another dealership offered me (it was pretty darn close to invoice/destination fee/tax/licensing, not much profit for them other than the factory kick back). __________________ DLR: BW Raffles, Marriott FFI, Hilton Anaheim, BW PPI, Marriott ResInn GG, Anaheim Marriott, VGC, DLH. Cruises: Wonder Repo 9/20/11, Pixar CA Coast 10/7/12, Dream 12/6/12. Aulani mini-TR w/ view and food pix. Dec 2012 PTR/TR of DLR vets taking on the World!

03-08-2013, 04:39 PM	#38
Shelly F - Ohio Disney Extraordinaire Join Date: Feb 2004 Location: Lake Erie Shore Line in Ohio Posts: 4,686	Don't forget to ask your insurance agent if you can charge your premiums to your CC. Allstate does!. __________________ Por favor mantenganse alejado de las puertas-Please stand clear of the doors. CBR - 2004 & Joined DVC 2004, DCL 4 night- 2005, SSR - Feb 2005, 06, & 09, Oct 08, May 2011, Oct 12, Feb 13..... CSR 07,... AKV Sept 2008,2012,2013... VWL Feb 2009, 2010, 2012 ... OKW Sept 2009, Feb2012...BCV 2013

03-08-2013, 08:22 PM	#40
zurgswife WDW is my Shangrala...and I'm going...life is better!!! Join Date: Jan 2000 Posts: 15,164	Another person with only 2K allowed here. __________________ [IMG] In Honor of Robin Costello I will miss you my dear friend.

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03-08-2013, 01:39 PM	#37
windycitymom DIS Veteran Join Date: Jul 2006 Posts: 572	We just bought a VW Passat and the dealer said $2000 was the limit we could put on a cc. Looking back maybe I should have negotiated to put more on a cc. Instead, I wrote a $8000 check.

03-08-2013, 07:14 PM	#39
mrspaha Mouseketeer Join Date: May 2004 Location: Illinois Posts: 422	We bought a car last year, and were only able to put $2,000 on our credit card. My daughter also bought a car last year, and they wouldn't let her put any of her down payment on a credit card.

03-09-2013, 07:44 AM	#41
LoveBWVVBR DIS Veteran Join Date: Oct 2005 Posts: 2,924	Well, they let me put 3K on the credit card when I bought the car yesterday. From the glance exchanged between the finance guy and the guy who did our papers, I feel that this amount is likely variable. However, we got a really, really good deal on the car through TruCar and way more for my trade than we should have (due to some aggressive negotiation on our part), and as a result, I did not feel like playing hardball over putting the other 14K on a CC. Oh well...at least it's $30 for Disney, right?

03-09-2013, 10:21 AM	#42
luvmarypoppins I am debating whether to put a new one back on his O.K. who is the sista here right now? ((Hug)) Join Date: Aug 2003 Posts: 9,305	We put the whole amount n our credit card. After dh made the deal he asked the salesman. Salesman talked to the manager. Got approval since they didnt want to lose the deal. Dh told them their dealer prep fee would more than cover the credit card fee etc. All the people there said, heah, what are you trying to do, get a free vacation. Dh said, yes!! He called the cc company and told them to increase our limit etc. If this is still their policy we would probably use this dealer again, just for this fact. Our cc allows us to use points for disney rooms so its a win win for us.

03-09-2013, 11:29 AM	#43
Chuck65 DIS Veteran Join Date: May 2006 Location: Anderson, SC: 15 mins. from the Clemson Tigers! Posts: 581	It does vary by dealer. I have a wealthy relative who bought a Land Rover a few years ago and was going to put it on her credit card. The dealer called the cc company and, no lie, the cc company asked how many did she want to buy. __________________ 1972 WDW Polynesian 1996 Off Site 1998 Dixie landings 2003 Port Orleans Riverside 2008 Port Orleans French Quarter Nikon D5000

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