Paying for new car

[tastydiner]

My new - new to me car but it’s second hand - will be ready for me to collect this afternoon. We’ve financed it between savings and a bank loan so when I pay for it, it should be by my debit card. Do I do the whole thing by debit card it is it wise to pay a little on credit card? I remember seeing something about protection when paying by credit card but can’t be sure. The car is through a National dealer if that makes a difference.

When I bought my car ,the garage charged a handling fee for credit cards. Use your debit.

If the car costs between £101 and £30000 and you have paid any of the amount on credit card (even just £1) you are covered by the section 75 regulations. This means that the credit card company is jointly liable if the car turns out to be faulty. So if the car sellers goes bust and the car is faulty you can claim a refund from the credit card. Read this explanation from Martin Lewis's site. www.moneysavingexpert.com/reclaim/section75-protect-your-purchases/#what

thank you for this. Very helpful.

Maybe too late for the OP, but general advice is credit card to pay the deposit and then debit card/bank transfer to pay the balance.

I paid the deposit via debit card but when the balance is due I’ll stick £100 on my CC. Thanks.

Some dealers don't take credit card! Big motoring world don't! Probably for this reason.
Also if it's from somewhere like that, they'll give you the really really hard sell on warranties. And some paint/screen protection thing. It's how they make their money. They do a free 3 month one so just assumed/hoped it would become an issue quickly.
When we didn't take one the manager came out to double check we knew what we were doing!

It's not "hard sell", it's Financial Services rules as there are strict regulations around selling any form of insurance, such as warranties, bodywork protection, breakdown cover, etc. If they didn't mention it, you could sue them for not offering you those services if you end up needing costly repairs etc. The providers of the product may well have it included in their T&Cs that the garage must offer it to all customers. They have questionnaires that they have to go through with every customer. We've bought a new car last year and another this year, two completely different dealerships and the salesmen at both were very apologetic about having to ask the questions and give details of the options etc and weren't remotely bothered when we answered no/not interested to all the questions.

In my business as an accountant, we have a tax enquiry/investigation insurance scheme. We HAVE to offer it to all clients as part of the terms & conditions of the scheme. The moment we have to offer it to everyone, we also have to do due diligence, know your client questionnaire, etc to comply with financial services legislation. We make no profit out of it, just charge a tenner for admin costs (which doesn't cover all costs!) so I often wonder why we bother and we certainly don't "hard sell" it. If a client wants it, fair enough, if they don't, we're really not bothered.

Well there is obviously sell and hard sell. I agree they have to tick their boxes and ask the question, but when they have checked 5 times and then call the manager out just to triple check you get a bit pissed off that you can't make your own decisions. Both accountants too, both risk/regulation aware, happy to sign to say we didn't want it even after being advised to, not happy to have our intelligence questioned. Rant over!