Can you make boating purchases with an ATM or a Credit Card?
 

On Sat, 6 Oct 2012 14:04:02 -0400, iBoaterer wrote:

In article ,
says...

On Sat, 6 Oct 2012 10:23:51 -0400, EmpacherFan wrote:

And if so which is better?

I'm hoping for a 300-post thread here. Don't let me down.

When I bought my Key West, the dealer and I agreed on the price. Then he asked how I wanted to
finance it, offering me a choice of three banks/loan organizations he worked with. I told him I
wanted to put it on my VISA. He gave me a funny look, like, "Are you bull****ting me?" Then he said
he had to make a phone call. He came back and said I could put only $10,000 on VISA at one time -
rules of his accounting firm (?). OK, so I said I'd put up $10,000 as a down payment, and then pay
off the boat when it came in. He said that would work. Then, when the boat came in, I put another
$10,000 on my VISA. Because of the rewards program, I got 3% of the $20,000 back. The dealer wasn't
thrilled. I pulled a similar deal when I bought my 5th wheel trailer.

The credit, for the month or so of each charge, was free!

Yeah, sure, credit is free. Dumbass, you still don't get it and never
will, apparently.

It wasn't free to my bank! They paid me good bucks for using the credit they extended!

Can you make boating purchases with an ATM or a Credit Card?
 

On Sat, 06 Oct 2012 14:20:33 -0400, wrote:

On Sat, 06 Oct 2012 11:54:57 -0400, GuzzisRule
wrote:

On Sat, 6 Oct 2012 10:23:51 -0400, EmpacherFan wrote:

And if so which is better?

I'm hoping for a 300-post thread here. Don't let me down.

When I bought my Key West, the dealer and I agreed on the price. Then he asked how I wanted to
finance it, offering me a choice of three banks/loan organizations he worked with. I told him I
wanted to put it on my VISA. He gave me a funny look, like, "Are you bull****ting me?" Then he said
he had to make a phone call. He came back and said I could put only $10,000 on VISA at one time -
rules of his accounting firm (?). OK, so I said I'd put up $10,000 as a down payment, and then pay
off the boat when it came in. He said that would work. Then, when the boat came in, I put another
$10,000 on my VISA. Because of the rewards program, I got 3% of the $20,000 back. The dealer wasn't
thrilled. I pulled a similar deal when I bought my 5th wheel trailer.

The credit, for the month or so of each charge, was free!

I tried to put my Honda on my AmEx card. The guy gave me the regular
"I have to talk to the boss" thing and when he came back, the price
was 5% higher.
I took the original price and wrote him a personal check.
They sent me on my way in my Honda.

He said they would have let me use the CC for free if I was financing
there and I was only putting the processing and down payment on the
card.

Did AmEx give a rebate? If so it may have paid to put a big down payment and the processing thereon.

Can you make boating purchases with an ATM or a Credit Card?
 

On Oct 6, 1:07*pm, jps wrote:
On Sat, 06 Oct 2012 11:54:57 -0400, GuzzisRule









wrote:
On Sat, 6 Oct 2012 10:23:51 -0400, EmpacherFan wrote:

And if so which is better?

I'm hoping for a 300-post thread here. Don't let me down.

When I bought my Key West, the dealer and I agreed on the price. Then he asked how I wanted to
finance it, offering me a choice of three banks/loan organizations he worked with. I told him I
wanted to put it on my VISA. He gave me a funny look, like, "Are you bull****ting me?" Then he said
he had to make a phone call. He came back and said I could put only $10,000 on VISA at one time -
rules of his accounting firm (?). OK, so I said I'd put up $10,000 as a down payment, and then pay
off the boat when it came in. He said that would work. Then, when the boat came in, I put another
$10,000 on my VISA. Because of the rewards program, I got 3% of the $20,000 back. The dealer wasn't
thrilled. I pulled a similar deal when I bought my 5th wheel trailer.

The credit, for the month or so of each charge, was free!

Yes, you got your points and the dealer took it in the shorts because
it cost 'em another 3% to run your card.

Don't think that'll end up driving up prices? *Think again. *But I
know that all you're concerned about it you.


If they didn't want to do it, then they wouldn't have agreed to the
deal on those terms.. Sure they took a hit but they sold the boat.
BTW, the dealer also has to pay for the CC processing machine, AND a
monthly user fee. But people who start accepting CC's, usually have
quite an increase in business.

Oh, and I'm sure you have one, or maybe even several cards. And
obviously being the successful business owner that you are, you use
them quite regularly, and I bet they have more an a $2000.00 limit on
them.

Can you make boating purchases with an ATM or a Credit Card?
 

On Sat, 6 Oct 2012 14:24:13 -0700 (PDT), Tim
wrote:

On Oct 6, 1:07*pm, jps wrote:
On Sat, 06 Oct 2012 11:54:57 -0400, GuzzisRule









wrote:
On Sat, 6 Oct 2012 10:23:51 -0400, EmpacherFan wrote:

And if so which is better?

I'm hoping for a 300-post thread here. Don't let me down.

When I bought my Key West, the dealer and I agreed on the price. Then he asked how I wanted to
finance it, offering me a choice of three banks/loan organizations he worked with. I told him I
wanted to put it on my VISA. He gave me a funny look, like, "Are you bull****ting me?" Then he said
he had to make a phone call. He came back and said I could put only $10,000 on VISA at one time -
rules of his accounting firm (?). OK, so I said I'd put up $10,000 as a down payment, and then pay
off the boat when it came in. He said that would work. Then, when the boat came in, I put another
$10,000 on my VISA. Because of the rewards program, I got 3% of the $20,000 back. The dealer wasn't
thrilled. I pulled a similar deal when I bought my 5th wheel trailer.

The credit, for the month or so of each charge, was free!

Yes, you got your points and the dealer took it in the shorts because
it cost 'em another 3% to run your card.

Don't think that'll end up driving up prices? *Think again. *But I
know that all you're concerned about it you.


If they didn't want to do it, then they wouldn't have agreed to the
deal on those terms.. Sure they took a hit but they sold the boat.
BTW, the dealer also has to pay for the CC processing machine, AND a
monthly user fee. But people who start accepting CC's, usually have
quite an increase in business.

Oh, and I'm sure you have one, or maybe even several cards. And
obviously being the successful business owner that you are, you use
them quite regularly, and I bet they have more an a $2000.00 limit on
them.

Not only do I have two affinity cards, I have a card reader at my
business for large companies that whose employees want to purchase
incidental gear and services on a company issued card. One of my
customers recently put nearly $20K on a personal Visa and I passed
along the fee. They may have gotten the miles but they also paid
nearly $400 for the priviledge of using the card. I'm not a retail
business, so having the card reader is just a convenience for a few
customers a year. Doesn't do anything to increase my business.

I try not to make gigantic purchases through the card because I know
what that does to my vendor's margin and, eventually, it'll be passed
along in the form of higher prices.

Can you make boating purchases with an ATM or a Credit Card?
 

On Sat, 06 Oct 2012 15:24:33 -0400, GuzzisRule
wrote:

On Sat, 6 Oct 2012 14:04:02 -0400, iBoaterer wrote:

In article ,
says...

On Sat, 6 Oct 2012 10:23:51 -0400, EmpacherFan wrote:

And if so which is better?

I'm hoping for a 300-post thread here. Don't let me down.

When I bought my Key West, the dealer and I agreed on the price. Then he asked how I wanted to
finance it, offering me a choice of three banks/loan organizations he worked with. I told him I
wanted to put it on my VISA. He gave me a funny look, like, "Are you bull****ting me?" Then he said
he had to make a phone call. He came back and said I could put only $10,000 on VISA at one time -
rules of his accounting firm (?). OK, so I said I'd put up $10,000 as a down payment, and then pay
off the boat when it came in. He said that would work. Then, when the boat came in, I put another
$10,000 on my VISA. Because of the rewards program, I got 3% of the $20,000 back. The dealer wasn't
thrilled. I pulled a similar deal when I bought my 5th wheel trailer.

The credit, for the month or so of each charge, was free!

Yeah, sure, credit is free. Dumbass, you still don't get it and never
will, apparently.

It wasn't free to my bank! They paid me good bucks for using the credit they extended!

You bank will just find a way to 1000 other people with exhorbitant
fees for overdrawn checks or teller visits or debit card purchases. No
matter, you got what you wanted, screw everyone else.

Can you make boating purchases with an ATM or a Credit Card?
 

On Sat, 06 Oct 2012 14:58:11 -0700, jps wrote:

On Sat, 06 Oct 2012 15:24:33 -0400, GuzzisRule
wrote:

On Sat, 6 Oct 2012 14:04:02 -0400, iBoaterer wrote:

In article ,
says...

On Sat, 6 Oct 2012 10:23:51 -0400, EmpacherFan wrote:

And if so which is better?

I'm hoping for a 300-post thread here. Don't let me down.

When I bought my Key West, the dealer and I agreed on the price. Then he asked how I wanted to
finance it, offering me a choice of three banks/loan organizations he worked with. I told him I
wanted to put it on my VISA. He gave me a funny look, like, "Are you bull****ting me?" Then he said
he had to make a phone call. He came back and said I could put only $10,000 on VISA at one time -
rules of his accounting firm (?). OK, so I said I'd put up $10,000 as a down payment, and then pay
off the boat when it came in. He said that would work. Then, when the boat came in, I put another
$10,000 on my VISA. Because of the rewards program, I got 3% of the $20,000 back. The dealer wasn't
thrilled. I pulled a similar deal when I bought my 5th wheel trailer.

The credit, for the month or so of each charge, was free!

Yeah, sure, credit is free. Dumbass, you still don't get it and never
will, apparently.

It wasn't free to my bank! They paid me good bucks for using the credit they extended!

You bank will just find a way to 1000 other people with exhorbitant
fees for overdrawn checks or teller visits or debit card purchases. No
matter, you got what you wanted, screw everyone else.

Bleeding heart liberal?

Would you be happier if I sent my bank a couple hundred dollars each month just to hold down the
costs for folks like you and Kevin?

You're a joke.

Still thinking about the Sig Sauer P226. This one, with a conversion kit:

http://www.sigsauer.com/CatalogProdu...lassic-22.aspx

Good idea, huh?

Can you make boating purchases with an ATM or a Credit Card?
 

On Oct 6, 4:55*pm, jps wrote:
On Sat, 6 Oct 2012 14:24:13 -0700 (PDT), Tim
wrote:









On Oct 6, 1:07 pm, jps wrote:
On Sat, 06 Oct 2012 11:54:57 -0400, GuzzisRule

wrote:
On Sat, 6 Oct 2012 10:23:51 -0400, EmpacherFan wrote:

And if so which is better?

I'm hoping for a 300-post thread here. Don't let me down.

When I bought my Key West, the dealer and I agreed on the price. Then he asked how I wanted to
finance it, offering me a choice of three banks/loan organizations he worked with. I told him I
wanted to put it on my VISA. He gave me a funny look, like, "Are you bull****ting me?" Then he said
he had to make a phone call. He came back and said I could put only $10,000 on VISA at one time -
rules of his accounting firm (?). OK, so I said I'd put up $10,000 as a down payment, and then pay
off the boat when it came in. He said that would work. Then, when the boat came in, I put another
$10,000 on my VISA. Because of the rewards program, I got 3% of the $20,000 back. The dealer wasn't
thrilled. I pulled a similar deal when I bought my 5th wheel trailer.

The credit, for the month or so of each charge, was free!

Yes, you got your points and the dealer took it in the shorts because
it cost 'em another 3% to run your card.

Don't think that'll end up driving up prices? Think again. But I
know that all you're concerned about it you.

If they didn't want to do it, * then they wouldn't have agreed to the
deal on those terms.. Sure they took a hit but they sold the boat.
BTW, the dealer also has to pay for the CC processing machine, AND a
monthly user fee. *But people who start *accepting *CC's, usually have
quite an increase in business.

Oh, and I'm sure you have one, or maybe even several cards. And
obviously being the successful business owner that you are, you use
them quite regularly, and I bet they have more an a $2000.00 limit on
them.

Not only do I have two affinity cards, I have a card reader at my
business for large companies that whose employees want to purchase
incidental gear and services on a company issued card. *One of my
customers recently put nearly $20K on a personal Visa and I passed
along the fee. *They may have gotten the miles but they also paid
nearly $400 for the priviledge of using the card. *I'm not a retail
business, so having the card reader is just a convenience for a few
customers a year. *Doesn't do anything to increase my business.

I try not to make gigantic purchases through the card because I know
what that does to my vendor's margin and, eventually, it'll be passed
along in the form of higher prices.

"Yes, you got your points and the dealer took it in the shorts because
it cost 'em another 3% to run your card.

Don't think that'll end up driving up prices? Think again. But I
know that all you're concerned about it you. "

Can you make boating purchases with an ATM or a Credit Card?
 

In article ,
says...

And if so which is better?

I'm hoping for a 300-post thread here. Don't let me down.


Guys...this thread was meant as a joke, to poke fun at the hundreds of
argumentative posts about credit cards versus debit cards.

Can you make boating purchases with an ATM or a Credit Card?
 

On Oct 6, 5:35*pm, GuzzisRule wrote:
On Sat, 06 Oct 2012 14:58:11 -0700, jps wrote:
On Sat, 06 Oct 2012 15:24:33 -0400, GuzzisRule
wrote:

On Sat, 6 Oct 2012 14:04:02 -0400, iBoaterer wrote:

In article ,
says...

On Sat, 6 Oct 2012 10:23:51 -0400, EmpacherFan wrote:

And if so which is better?

I'm hoping for a 300-post thread here. Don't let me down.

When I bought my Key West, the dealer and I agreed on the price. Then he asked how I wanted to
finance it, offering me a choice of three banks/loan organizations he worked with. I told him I
wanted to put it on my VISA. He gave me a funny look, like, "Are you bull****ting me?" Then he said
he had to make a phone call. He came back and said I could put only $10,000 on VISA at one time -
rules of his accounting firm (?). OK, so I said I'd put up $10,000 as a down payment, and then pay
off the boat when it came in. He said that would work. Then, when the boat came in, I put another
$10,000 on my VISA. Because of the rewards program, I got 3% of the $20,000 back. The dealer wasn't
thrilled. I pulled a similar deal when I bought my 5th wheel trailer..

The credit, for the month or so of each charge, was free!

Yeah, sure, credit is free. Dumbass, you still don't get it and never
will, apparently.

It wasn't free to my bank! They paid me good bucks for using the credit they extended!

You bank will just find a way to 1000 other people with exhorbitant
fees for overdrawn checks or teller visits or debit card purchases. No
matter, you got what you wanted, screw everyone else.

Bleeding heart liberal?

Would you be happier if I sent my bank a couple hundred dollars each month just to hold down the
costs for folks like you and Kevin?

You're a joke.

Still thinking about the Sig Sauer P226. This one, with a conversion kit:

http://www.sigsauer.com/CatalogProdu...lassic-22.aspx

Good idea, huh?

John, I really liked my Walther .22

http://cdn.ammoland.com/files/wp-con...PK-Pistol..jpg

Can you make boating purchases with an ATM or a Credit Card?
 

On 10/6/2012 7:26 PM, EmpacherFan wrote:
In article ,
says...

And if so which is better?

I'm hoping for a 300-post thread here. Don't let me down.


Guys...this thread was meant as a joke, to poke fun at the hundreds of
argumentative posts about credit cards versus debit cards.


Don't screw with us fella. Have we hit 300 yet?