I ordered a new truck about 10 months ago that will be arriving in two months. The price is $36K. I can finance at 0% or pay cash but I was wondering if it was a better idea to pay with a credit card to get the points/sign-up bonus and then pay the balance on the card immediately. Is there any particular card that would be best for doing this? I have a Marriott Bonvoy card but it seems like all I would get from them is 7 nights towards status and 72,000 Marriott points.

like
Posting as :
works at
You are currently posting as works at

You can pay for a car with a credit card?

like

Looks like I need to find better places to buy vehicles!

Don’t think the issue is how much you can put on the card per-say. The issue lies with the dealership since they have to pay x% amount to the credit card company for the transaction. If they allow you to put the balance on the card, I would definitely do it.

like

Alternatively see if they would let you put the down payment on the card, that should at least hit your minimum spend

like

Most dealers will tack on a credit card transaction fee, usually north of 3%

like

Yeaaa unless you can get 3%+ back on the purchase and there's no cc fee, the move is 0% financing.

like

They won’t take a credit card. If they do, it’ll be a maximum of $5k and they’ll charge you 3%+.

like

Most dealers don’t let you pay with credit card. It’s wire transfer or cashiers check.

like

I've always used my credit cards for 20% down at luxury dealerships, but recently picked up two new vehicles at non luxury and they capped my ability to pay with a cc to $4k. I'm going to assume that a $36k truck isn't luxury.

like

Please if you do get to pay it using credit card apply for a new one with a huge sign up bonus than on existing card like Marriott

like

Yup. Those free nights are worthless, don’t even get me started. Was going to do a staycation on a random weeknight in nyc and the dynamic chart had the cheapest at 37k for a brand that is worse than my shoebox apartment here.

If you can put the down payment on the card and pay the card off immediately, do it. Finance the rest at 0%. Do not pay the whole thing in cash.

like

Most dealers won't let you pay with a credit card. Take the financing. It's basically using free money for a year. Then pay it off early before fees kick in.

like

You can negotiate - I paid $20k with credit card no fees to dealer. Dealers will literally take any money

Was this recently because you know the car market is nuts right now?

Usually I’d agree with you, most dealers in normal times would take a substantial chunk of the car on credit as long as they still had some margin on the sale, but these days dealers be cashin in.

like

Borrow the money for free. Which in this market surprises me.

If you can finance at 0% why are you even asking?

Related Posts

Can anyone help me knowing how can I find a job in UK while sitting in India for Skilled workers visa? I have experience of 2+ years with 1.6 years of experience in Digital marketing.

like

How long is it taking after DCoS stage? I received a note from the team stating they will do another review. Not sure why is that. What does the visa timeline look like for non UK/EU joiners?

Does anyone know how to declare in my individual tax return, RSA and Stock Options from a US Company that I have? Non exercised yet.

like

Hello I am from Ghana and am looking for a work abroad a company that can support my visa or give me a visa Sponsorship or work permit invitation letter to apply for my visa any help please …

like

Have an amount of Marriott points I would would like to use to buy United miles.

Any advice on carrying out this transaction?

like

Hi all, I have a question regarding retirement accounts. I am not sure if I should choose a Roth or 401k (company has 4+2% match). Currently 23, base salary is ~100k and investments have brought 45k this year which has me teetering between a 22-24% tax bracket. Wondering what the usual tax bracket is of people retired (around 65yo) as I’m not sure anything would bring in significant income with the exception of investments. In my case would a Roth make sense? Appreciate any answers!!

likesmart

Who / what do you list as your contingent beneficiary when your spouse is your primary, you don’t have children, and you don’t have anyone in your family you trust with your finances if something were to happen?

like

Is there a legal way for an international student in the US to earn money on the side?

like

When my portfolio was going nuts 🚀💰 made over $100k profit last year and on same process this year.

Post Photo
like

Is it true that stocks bought and sold are visible in form16?

Anyone know of a swing trading service? Looking to pay for calls/puts direction over weeks- not day trading

like

How often are you concerned about losing your job? Ever since I got a mortgage a few months ago, this fear has been plaguing me. The volatile market doesn’t help either.

like

Hello London 🐠

If you’re working in Life Sciences / Healthcare and know if you’re firm is hiring and open to visa sponsorship please do let me know. I’d really appreciate any referral / leads. Thanks so much!!

like

Hello has anyone heard anything about the official date of lifting the travel ban from India?

like

Hi all, will people who have joined CBS in January as manager be eligible for pay increase and bonus this year? Does anyone know the expected pay rise and bonus range? Thanks

like

What’s your tax strategy to minimize self employment taxes?

like
like

Need help deciding if this offer is worth moving for. Received an offer from Booz Allen Hamilton for an Associate level Sr. Systems Engineer in Los Angeles for $135k base. I countered $150k and a $15k singing bonus and asked if I could be brought on as a lead associate since I've been a lead/manager for a while in my current company.

Current company TC: $125k in Utah.
YOE: 7 with M.S. and MBA

Is the switching cost/risk and higher COL worth it?

like

I’m a private immigration attorney whose interested into transitioning into a high level federal government attorney position in the future (not in this administration). Ideally, I’d love to work in the solicitor general’s office.

I’m only a year or two into practice and am wondering if there are any tips to best position myself for this type of position? I don’t anticipate making any moves that way for at least 5 more years. No clerking experience or law review, so that’s -2 points for me

like

Hi everyone,

Software test automation engineer 4.5 yoe

I have got 2 offers -
Emerson export engineering - 15L fixed + 1.6 variable
Wolters Kluwer - 15L fixed + 10% bonus + 1L joining bonus

Which one is better and which should i join. Emerson is calling to office from 1st days and wolters kluwer have agreed for few months of work from home.

Any advice would be appreciated.

like

More Posts

Is it possible to negotiate with SAP?
Is there anyone who did it recently?

like

Anyone working from Coforge Bangalore office?
Where do you stay nearby?
I have to move to Bangalore and report to office in oct month.Coforge

like

Are there private equity’s or hedge funds in NYC that will sponsor/transfer H1-B for positions such as Fund Accountants or Senior Fund Accountants?

I hate California labor law,.., that is all :-) lol

likefunny

Hello has anyone heard anything about the official date of lifting the travel ban from India?

like

I had cleared all the rounds in S&P and had salary discussion 1.5 month back. The HR is always saying the management is on leave and will soon get the approval and release offer. Today she shas asked for one more week to release the offer. Should I wait for it or move on. Are they waiting for some other candidate to join before rejecting me at last moment. Only 10 days of my LWD are left.

Is there something against doing back to back offers at PwC or any of the other big four? I have two accepted offers with PwC next summer and would love to do both if the dates don't overlap (internship and a Masters fellowship). I was told that even if the dates don't overlap when they are announced sometime next year, I may still not be able to do both because of reasons related to the firm?
If this is the case then I may have look for another internship that I can do before the fellowship.

like

Are any other area teachers ready to give up? I'm trying to stick it out but we've had so many teachers quit in my school already this year. The administration doesn't care.

How do you give back to your community?

like

During the fall-recruiting cycle, does MBB ever prefer student applicants that graduate in the Spring over those that graduate in the Fall?

like

I've a question on what sections to put on a regular resume. I see some people are using consulting style resume for outside companies as well. Do you think it's a good idea to devide work experience by projets? Or is it better to have "projects highlights" separate from work experience.. something like: intro>functional expertise> project highlights>work experience>education?

like

YOE: 11.5 Tech: QA Automation with Selenium-Java, BDD, API automation, Mobile Automation - Perfecto cloud, Appium. All the 11 years I am with automation only. Is it possible for me to learn new technology and switch. Recently acquired AWS cloud practitioner certification which is of no use to me now as they are asking for exp. I wanted to move to devops role. But without experience no one is giving opportunity and they are considering my profile as QA only 😒

like

Hi all, will people who have joined CBS in January as manager be eligible for pay increase and bonus this year? Does anyone know the expected pay rise and bonus range? Thanks

like

Any recommendations for residential areas/ accommodations close to EY london office? Hate to commute🫠 starting soon!

likehelpful

iOS developer with 4+years experience please let me know if any of the company have requirements

like

So true 😅

Post Photo
funnylike

Please help to choose between below-
tcs 22 lpa for BFSI support project
Mastercard 21.45 lpa as senior biz ops role.
YOE 9.9 years

like

Seeking recommendations. What firm would allow for the most variety in the type of work I do? For example being on projects for different types of teams like data privacy, cyber security, & strategy?

I’m in IT in a large corp and I don’t know what to do. I’m the systems engineer and I planned around what I thought was a straight forward concept. It appears what I thought would be possible was wrong. Everyone celebrated thinking I’d figured it out, including me. Were spinning up a full team to build it and I’ve exhausted all avenues to find an alternative solution. There isn’t. Horrified this is a career limiting situation….

Private equity guys, give us the lowdown on the good, the bad and the ugly of your day-to-day hustle.

like

Additional Posts in All things points

Surely I’d be a fool to pass on such a lucrative pre-approval, right?

Post Photo
funnylikehelpful

Likely going to miss Delta Diamond this year by about 10k miles. Anyway to pay to make up the difference?

Is SYW UBER integration dead?

like

How does one share a Delta drink voucher? Can you just take a screenshot?

In the UK what rewards credit card is best for relatively frequent travelers? Amex platinum / BA premium / something else?

Anyone knows how chase sapphire travel insurance works? I used the first leg of the trip but cannot return due to an illness. It is cheaper for me to cancel the return leg and buy and new one way.

Should I change my British airways flight to United to get more points? I have no status anywhere

like

I screwed up. I’m a newb and didn’t know how mileages work and my gold status w AA is about to expire. I travel weekly and idk whether I should fly w/o status or pay $400 to extend it. Thoughts? 😭

I am stranded in a foreign country, was traveling for personal reasons, because AA cancelled my flight citing weather concerns but is flying other flights at the same time. Is there a way for me to 1. Get an alternate flight that is not painful. 2. Escalate and get compensation? Thank you.

like

Any recommendations for best balance transfer card? Like zero APR for 15-18 months and no fee? Also nice to have points or cash bonus

like

Rumor: CSR annual fee is increasing to $550. Added perks: DoorDash and Lyft credit.

like

Does anybody have a referral link for Amex Platinum? - has to be UK based

like

Is there a thread of company discount codes? ISO Hilton code (do not judge me my BIL is getting married at a Hilton and his fiancé is going to go postal if we don’t reserve a room now)

like

I don’t drive. Does that limit my activities if I am traveling to Hawaii ?

like

"How many points?"
I'm new to all this. Beyond all the humor is this actually commonly done ? What's the process and way to go. Real examples please:)

like

Hey all, I left four shirts in the wardrobe of my room in a Sheraton. They’re saying they are not in lost and found but I am 100% sure they were in the room. One of the shirts has sentimental value...

American has a promo listed on their app - use Rocketmiles to book a hotel and earn X000 American points. Has anyone here used it? If I book a Marriott properly, can I apply my Marriott retroactively?

Does CSR earn 3x points at bars on drinks?

like

Anyone with systemwide upgrades to sell on American Airlines ?

like

My international flight is delayed due to closure of Pakistan airspace. Going to miss my connecting flight (on a different carrier) . Can I apply for trip cancellation insurance with chase for this ?

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal