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Cowgirl wrote:


GO4 wrote:


Cowgirl wrote:


I think that’s why we were given the run around yesterday and they wouldn’t accept our offer – because we weren’t going to finance with them. Nope, I can do way better than your 7% interest rate. (He seriously came at us with that to start.) And even if I let them pull my credit score (which is just shy of perfect) they couldn’t beat the offer we have from a local credit union.


This is gold!

We had a similar experience. Walked in with our own financing which they were not happy about. I think they ended up breaking and matching the rate we had from a credit union because we had a GM card. Little did they know after everything was about finalized we pulled out one more discount worth about 3k because we had a GM card. The looks on their faces!

We wanted to put a down payment on a credit card for miles points. They claimed they could only accept 2K that way or it would generate a fraud alert….and also there was apparently some kind of cashiers check scamming going on in the area. This sales guy was so full of lies it was almost comical. We found another option locally at Belzers and will see how it goes. Anyone have any experience with them?

Yeah, most car dealerships are only going to accept $500 or less on a Credit card as a hold I would guess. In my last 2 experiences, they would do more, but it triggered their 4.5% fee or something like that wiping out whatever the 1-2% points or miles would’ve been worth. I don’t think it has anything to do with fraud, a few years ago we put a $4,000 cruise package on a credit card without issue. I got an email from AmEx asking me to confirm later that day, but the charge went through initially just fine.

Really though, a $500 credit card hold isn’t binding (unless you sign something saying it is). You could later challenge the charge if you walked away without buying and they refused to refund you.

Cashier’s check scam… that’s a new one. It was literally the only way we could pay without their financing. When we used a credit union to buy a car they gave us a cashiers check to go get the car… That’s one way to get you I guess, you cannot pay for it in any form unless you finance through us.