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Money and Finances
Reply to "Example of how not to borrow for a car"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I also put my down payment on my amex so I could get the membership reward points.[/quote] CC don't normally let you pay your debts without additional fees. Are you sure they are not charging you 2% extra to pay via CC?[/quote] They probably didn't but they probably violated the auto loan policy. Down payment on cc is like no down payment at all. Here's an interesting fact - dealers aren't required by law to offer you the interest rate the bank will. They set their own. If you really want to fuck a dealer over, have them charge you 6 or 7% in return for money off the car. Then go home and pay it off. The dealer will end up with a chargeback from the bank and you'll end up with an extra $500 in your pocket.[/quote] Dealers might give you a better price on the car if you finance. [/quote]
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