4 ms·

I did this for my recent automobile purchase. It's very convenient from my perspective to simply write a check and hand it to them.

369548684892826 2y ago
But why not just pay by card, that must be even easier?
- MatthewMcDonald 2y ago
  Many (most?) dealerships have a policy of not accepting more than a few thousand dollars on a credit card, they don't want to pay the fee
  - ghaff 2y ago
    My regular dealership even has a card surcharge for service these days. Given the rebate I get it's pretty much a no-care for smallish bills. But when I bought the car from another dealer was a bit surprised I didn't need to run to the bank to get a certified check.
  - ac29 2y ago
    I recently bought a car and they were happy to let me put up to 100% of the purchase on a card so long as I paid the card processing fee (something like 2 or 3%).
  - HeyLaughingBoy 2y ago
    I think they can just run it as debit. That's what they did for my down payment when I bought a new vehicle this past June.
- olyjohn 2y ago
  I'm not going to pay by card for a huge purchase, and have the card company take 3% off the top. That's just a dick move when you can just write a check that does the same thing.
  - ghaff 2y ago
    Why would I care if I'm not paying for the surcharge and I get a rebate from it? I've had a few large purchases recently where a credit card was the norm. If the business prefers a check that's fine too. I'm not going to push it. It's just business. A lot of businesses want my money and are happy to take a credit card number which is often simpler for them. I don't know their costs associated with handling checks and it's not really my concern.
  - FactKnower69 2y ago
    it's a "dick move" to not give the guy who owns your local dealership a 3% tip when you buy a car??
    - RHSeeger 2y ago
      1. The guy who owns the dealership doesn't get the credit card fee 2. If they charge you extra for using a credit card, they're breaking even 3. If they _don't_ charge you extra for using a credit card, they're paying 3% of the purchase cost to the credit card company (so, $1,000+) So yes, it's a dick move to pay via credit card for any purchase in the thousands of dollars, if you have the option to pay by check or debit card. I always offer to pay by check if I know the money for the CC will come out of their pocket.
      - ghaff 2y ago
        Don't really care. It's not my responsibility as a customer to make assumptions about how businesses prefer to get paid. They can add surcharges or just not accept credit cards at all. As someone who has been making some large household purchases this summer, my experience is that it's perfectly ordinary and expected to pay by credit card.
      - ghaff 2y ago
        I'd just add that I routinely book flights, hotels, and so forth in the thousands of dollars range on credit cards and I doubt they would want anything different as a payment type.
    - 2y ago

369548684892826 2y ago

But why not just pay by card, that must be even easier?

MatthewMcDonald 2y ago
Many (most?) dealerships have a policy of not accepting more than a few thousand dollars on a credit card, they don't want to pay the fee
- ghaff 2y ago
  My regular dealership even has a card surcharge for service these days. Given the rebate I get it's pretty much a no-care for smallish bills. But when I bought the car from another dealer was a bit surprised I didn't need to run to the bank to get a certified check.
- ac29 2y ago
  I recently bought a car and they were happy to let me put up to 100% of the purchase on a card so long as I paid the card processing fee (something like 2 or 3%).
- HeyLaughingBoy 2y ago
  I think they can just run it as debit. That's what they did for my down payment when I bought a new vehicle this past June.
olyjohn 2y ago
I'm not going to pay by card for a huge purchase, and have the card company take 3% off the top. That's just a dick move when you can just write a check that does the same thing.
- ghaff 2y ago
  Why would I care if I'm not paying for the surcharge and I get a rebate from it? I've had a few large purchases recently where a credit card was the norm. If the business prefers a check that's fine too. I'm not going to push it. It's just business. A lot of businesses want my money and are happy to take a credit card number which is often simpler for them. I don't know their costs associated with handling checks and it's not really my concern.
- FactKnower69 2y ago
  it's a "dick move" to not give the guy who owns your local dealership a 3% tip when you buy a car??
  - RHSeeger 2y ago
    1. The guy who owns the dealership doesn't get the credit card fee 2. If they charge you extra for using a credit card, they're breaking even 3. If they _don't_ charge you extra for using a credit card, they're paying 3% of the purchase cost to the credit card company (so, $1,000+) So yes, it's a dick move to pay via credit card for any purchase in the thousands of dollars, if you have the option to pay by check or debit card. I always offer to pay by check if I know the money for the CC will come out of their pocket.
    - ghaff 2y ago
      Don't really care. It's not my responsibility as a customer to make assumptions about how businesses prefer to get paid. They can add surcharges or just not accept credit cards at all. As someone who has been making some large household purchases this summer, my experience is that it's perfectly ordinary and expected to pay by credit card.
    - ghaff 2y ago
      I'd just add that I routinely book flights, hotels, and so forth in the thousands of dollars range on credit cards and I doubt they would want anything different as a payment type.
  - 2y ago