MINI2

atif_farooq · Jan 25th, 2004, 09:54 PM

Hi Mini lovers! Just a quick question. When I ordered my Cooper three weeks ago my dealer requested a £500 deposit which I paid via credit card. When I pay the remainder sum I want to pay using 3 different credit cards (one my own and 2 are my dads - obviously with his permission!) and a cheque made out for the remaining amount. Is this possible and are there any extra charges involved using these methods of payment (like credit card surcharges)?

Thanks in advance

KJ_daGreenMini · Jan 25th, 2004, 09:59 PM

nah i doubt it. I dont thnk they charge for use of multiple cards. I do it all the time. when i can afford it. lol

Goonery · Jan 25th, 2004, 10:02 PM

I think you'll find that this happens all the time, and the dealers are just happy to take your and and anyone elses money.

atif_farooq · Jan 25th, 2004, 10:04 PM

i know - money grabbing gits!

dcfkan · Jan 25th, 2004, 10:12 PM

Quote: Originally Posted by atif_farooq

i know - money grabbing gits!

Only if you let them

DK

:apple:

Shamster · Jan 25th, 2004, 11:24 PM

I would check with the dealer - a lot of dealers DO have surcharges for credit cards if you want to go over the £500 or £1000 level for a deposit. And some have maximum limits for credit card payment - wouldn't surprise me if these limits are only 4 or 5k as they get charged by the credit card company for accepting payment via the card.

KenL · Jan 26th, 2004, 08:26 AM

My dealer wanted to charge a 2% surcharge if I paid with CC to cover what the CC companies charge them!

I paid with Switch and used 2 different cards no problem.

jasonfields007 · Jan 26th, 2004, 09:00 AM

I would put all the credit card money into one account and then do a bankers draft.

J

KenL · Jan 26th, 2004, 09:11 AM

Thing is to get money off a credit card is a cash advance and they charge 1.5%.

jasonfields007 · Jan 26th, 2004, 09:14 AM

GREAT! anyway this makes paying using CC for a car very bad...

Grings · Jan 26th, 2004, 11:30 AM

I paid for the car using switch (£16500) and they didn't even have to make a phone call to confirm it was actually me

I haevn't yet met a dealer who will let you use credit cards to pay for a car? If they do I've missed out on 33 reward card vouchers from Sainsburys!!!!

jasonfields007 · Jan 26th, 2004, 11:31 AM

Lol@grings

andyupnorth · Jan 26th, 2004, 03:04 PM

They will charge you a surcharge for using credit cards - the dealer gets charged somewhere in the region of 2% by the c.c. company so they will pass that onto you - otherwise, to them, it's like giving a 2% discount on the car and as we all know.........they don't do discounts!

Jones · Jan 26th, 2004, 03:43 PM

My dealer wouldnt let me pay on a CC. Had to have a bankers draft or wire transfer.... Mind you, I wouldnt have wanted to pay 2% on £25,000!

BigC · Jan 27th, 2004, 09:07 AM

I paid for the whole of my car on Credit Card without a problem - they didn't ask me in advance how I wanted to pay and so I just turned up with my card on the day and they didn't ask any questions.

Like Grings, they didn't do anything to check who I was. The really weird thing is that 2 weeks later I was buying some new contact lenses and they wanted to speak to me because it was "an unusual purchase".
£185000 on a car is normal but £40 on some contact lenses is unusual !?

dietcokeplease · Jan 27th, 2004, 09:43 AM

If you're allowed to pay by card then at least try and use a cashback card.

randap · Jan 27th, 2004, 12:59 PM

Be aware that some CC companies won't allow you to buy vehicles because of the liability clauses for purchases over £50.

Jan 25th, 2004, 09:54 PM	#1
atif_farooq Loving It! Join Date: Jan 2004 Local Time: 08:21 PM Posts: 85 Offline	credit cards Hi Mini lovers! Just a quick question. When I ordered my Cooper three weeks ago my dealer requested a £500 deposit which I paid via credit card. When I pay the remainder sum I want to pay using 3 different credit cards (one my own and 2 are my dads - obviously with his permission!) and a cheque made out for the remaining amount. Is this possible and are there any extra charges involved using these methods of payment (like credit card surcharges)? Thanks in advance . . : Atif : . .

Jan 25th, 2004, 10:04 PM	#4 (permalink)
atif_farooq Loving It! Join Date: Jan 2004 Local Time: 08:21 PM Posts: 85 Offline	i know - money grabbing gits! . . : Atif : . .

Jan 25th, 2004, 11:24 PM	#6 (permalink)
Shamster Lord of The Four Rings Join Date: Nov 2002 Location: Reminiscing Local Time: 07:21 PM Posts: 10,745 Offline	I would check with the dealer - a lot of dealers DO have surcharges for credit cards if you want to go over the £500 or £1000 level for a deposit. And some have maximum limits for credit card payment - wouldn't surprise me if these limits are only 4 or 5k as they get charged by the credit card company for accepting payment via the card. 260909

Jan 26th, 2004, 08:26 AM	#7 (permalink)
KenL MINI2 Master Join Date: May 2002 Location: Edinburgh Local Time: 07:21 PM Posts: 5,102 Offline	My dealer wanted to charge a 2% surcharge if I paid with CC to cover what the CC companies charge them! I paid with Switch and used 2 different cards no problem. Red/Black R56 Cooper

Jan 26th, 2004, 09:00 AM	#8 (permalink)
jasonfields007 MINI2 Master My Classifieds Join Date: May 2003 Location: Radlett. Herts Local Time: 08:21 PM Posts: 1,870 Offline	I would put all the credit card money into one account and then do a bankers draft. J '06' Cooper S Convertible - Astro Black, '04' Mazda RX8 231 - Black

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Jan 25th, 2004, 09:59 PM	#2 (permalink)
KJ_daGreenMini what happened to that boy Join Date: Feb 2003 Local Time: 08:21 PM Posts: 1,625 Offline	nah i doubt it. I dont thnk they charge for use of multiple cards. I do it all the time. when i can afford it. lol

Jan 25th, 2004, 10:02 PM	#3 (permalink)
Goonery 6X therapist My Classifieds Join Date: Aug 2003 Local Time: 07:21 PM Posts: 13,658 Offline	I think you'll find that this happens all the time, and the dealers are just happy to take your and and anyone elses money.

Jan 25th, 2004, 10:12 PM	#5 (permalink)
dcfkan In exile, down SOUTH! Join Date: Aug 2001 Location: London WC1 Local Time: 08:21 PM Posts: 13,213 Offline	Quote: Originally Posted by atif_farooq i know - money grabbing gits! Only if you let them DK :apple:

Jan 26th, 2004, 09:11 AM	#9 (permalink)
KenL MINI2 Master Join Date: May 2002 Location: Edinburgh Local Time: 07:21 PM Posts: 5,102 Offline	Thing is to get money off a credit card is a cash advance and they charge 1.5%. Red/Black R56 Cooper

Jan 26th, 2004, 09:14 AM	#10 (permalink)
jasonfields007 MINI2 Master My Classifieds Join Date: May 2003 Location: Radlett. Herts Local Time: 08:21 PM Posts: 1,870 Offline	GREAT! anyway this makes paying using CC for a car very bad... '06' Cooper S Convertible - Astro Black, '04' Mazda RX8 231 - Black

Jan 26th, 2004, 11:30 AM	#11 (permalink)
Grings MINI2 Master Join Date: Jun 2003 Location: Hampshire Local Time: 08:21 PM Posts: 1,194 Offline	I paid for the car using switch (£16500) and they didn't even have to make a phone call to confirm it was actually me I haevn't yet met a dealer who will let you use credit cards to pay for a car? If they do I've missed out on 33 reward card vouchers from Sainsburys!!!!

Jan 26th, 2004, 11:31 AM	#12 (permalink)
jasonfields007 MINI2 Master My Classifieds Join Date: May 2003 Location: Radlett. Herts Local Time: 08:21 PM Posts: 1,870 Offline	Lol@grings '06' Cooper S Convertible - Astro Black, '04' Mazda RX8 231 - Black

Jan 26th, 2004, 03:04 PM	#13 (permalink)
andyupnorth MINI2 Master Join Date: Aug 2003 Location: Newcastle Local Time: 08:21 PM Posts: 767 Offline	They will charge you a surcharge for using credit cards - the dealer gets charged somewhere in the region of 2% by the c.c. company so they will pass that onto you - otherwise, to them, it's like giving a 2% discount on the car and as we all know.........they don't do discounts!

Jan 26th, 2004, 03:43 PM	#14 (permalink)
Jones See you in my rear view!! Join Date: May 2003 Location: Many places.... Local Time: 07:21 PM Posts: 925 Offline	My dealer wouldnt let me pay on a CC. Had to have a bankers draft or wire transfer.... Mind you, I wouldnt have wanted to pay 2% on £25,000! *210bhp JCW MINI Cooper S (S950)*

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Jan 27th, 2004, 09:07 AM	#15 (permalink)
BigC MINI2 Regular Join Date: Aug 2001 Location: Oxford Local Time: 08:21 PM Posts: 267 Offline	I paid for the whole of my car on Credit Card without a problem - they didn't ask me in advance how I wanted to pay and so I just turned up with my card on the day and they didn't ask any questions. Like Grings, they didn't do anything to check who I was. The really weird thing is that 2 weeks later I was buying some new contact lenses and they wanted to speak to me because it was "an unusual purchase". £185000 on a car is normal but £40 on some contact lenses is unusual !? It's not how fast you go that matters BUT how you go fast.

Jan 27th, 2004, 09:43 AM	#16 (permalink)
dietcokeplease Official MINI2 Fluffer Join Date: Jul 2001 Location: Spearmint Rhino Local Time: 07:21 PM Posts: 5,261 Offline	If you're allowed to pay by card then at least try and use a cashback card. There is just one moon and one golden sun; And a smile mean friendship to ev'ryone; Through the mountains divide, and the oceans are wide; It's a small world after all.

Jan 27th, 2004, 12:59 PM	#17 (permalink)
randap Hangin at the Krusty Krab My Classifieds Join Date: Jun 2003 Location: Bikini Bottom Local Time: 07:21 PM Posts: 860 Offline	Be aware that some CC companies won't allow you to buy vehicles because of the liability clauses for purchases over £50.

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