Buying a car using Amex

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24th January 2022 at 10:41
#309792
#309792

Leigh 30 posts

Planning to buy a car using Amex at Cazoo. The price is a few K over my Amex credit limit. Cazoo doesn’t allow card plus bank transfer, the full amount has to be paid in full online. Does anyone know if credit balance on Amex would increase credit limit? If so, will check with Amex customer service if it’s okay to do it.

24th January 2022 at 10:59
#309794
#309794

KP 27 posts

Why don’t you ask Amex for a temporary limit increase? Pay off the amount in the next few days, and you’ll be fine.

24th January 2022 at 11:15
#309799
#309799

Leigh 30 posts

Thanks KP. I’m not aware of the temporary limit increase. Will contact Amex to check.

24th January 2022 at 11:55
#309818
#309818

Rob
HfP Staff
2,207 posts

You might see a £250 Amex cashback offer for Cazoo.

Of course, this offer is another reason why Cazoo won’t let you split payments!

24th January 2022 at 12:11
#309823
#309823

Leigh 30 posts

Thanks Rob, that’s why I checked Cazoo in the first place. I asked if I can partial pay by card and bank transfer the rest. The answer is no, one full payment online.
Amex live chat doesn’t know temporary limit increase, will try their call center.

24th January 2022 at 12:58
#309841
#309841

Carlos 758 posts

Also looking between Carzoo and Cinch (who do allow multi card payments)
However, not sure if the credit limit rise is instant and even if it was, looking to keep a stable credit score

24th January 2022 at 13:46
#309871
#309871

KP 27 posts

The temp limit increase is only for a few days to allow you to charge the card and then pay it off. So not sure it would even really impact your credit score.
24th January 2022 at 13:52
#309876
#309876

Rui N. 831 posts
The credit score is a mostly irrelevant metric that is used by the companies creating (and, importantly, selling) them and not much anyone else. But even if it wasn’t, this doesn’t seem to be the sort of thing that would affect it much.
- This reply was modified 54 years, 4 months ago by .
24th January 2022 at 14:28
#309883
#309883

Leigh 30 posts

Have spoken to two agents. Both advised that temporary limit increase only applies to charge card not credit card.

24th January 2022 at 14:43
#309892
#309892

John 1,000 posts

Does Amex allow preloading?

24th January 2022 at 15:13
#309903
#309903

George K 292 posts

Leigh wrote:

Have spoken to two agents. Both advised that temporary limit increase only applies to charge card not credit card.

What’s the shortfall between your limit and the amount you want to charge? You could always request the limit increase. Also, if you have other Amex credit cards, you can request a redistribution of the overall credit limit (transfer some of the allowance from one card to another). I’ve done it and it’s instantaneous after Amex agent runs checks etc.

24th January 2022 at 16:20
#309952
#309952

Leigh 30 posts

6K shortfall. Requested 6K limit increase online and expected a rejection; but was approved instantly without credit search. I’m pleasantly shocked. Thanks Amex!
Many thanks for all replies.

24th January 2022 at 16:23
#309953
#309953

Rui N. 831 posts

Fantastic result! Enjoy the new car and all the Amex points!

24th January 2022 at 16:29
#309962
#309962

Leigh 30 posts

Rui N. wrote:

Fantastic result! Enjoy the new car and all the Amex points!

Thanks Rui N. and a new 2-4-1 voucher – not that I need the voucher at the moment.

25th January 2022 at 09:03
#310174
#310174

Cranzle 272 posts

Rob Burgess wrote:

You might see a £250 Amex cashback offer for Cazoo.

Of course, this offer is another reason why Cazoo won’t let you split payments!

I’m pretty sure people have reported success on here with asking Cazoo to split payments across cards.

25th January 2022 at 14:21
#310347
#310347

Leigh 30 posts

Cranzle wrote:

Rob Burgess wrote:

You might see a £250 Amex cashback offer for Cazoo.

Of course, this offer is another reason why Cazoo won’t let you split payments!

I’m pretty sure people have reported success on here with asking Cazoo to split payments across cards.

After completing the checkout procedure, I would say it’s impossible to split payment online (the Amex cashback T&Cs specifies online transaction). At the final checkout, there are two payment options: either by card or by bank transfer (via online banking). Either option requires full payment.
Customer service did advise that they are looking into a split payment option, but I have a feeling that it’s allowing bank transfer plus card payment; rather than multiple cards.

25th January 2022 at 15:44
#310361
#310361

Carlos 758 posts

Leigh wrote:

Cranzle wrote:

Rob Burgess wrote:

You might see a £250 Amex cashback offer for Cazoo.

Of course, this offer is another reason why Cazoo won’t let you split payments!

I’m pretty sure people have reported success on here with asking Cazoo to split payments across cards.

After completing the checkout procedure, I would say it’s impossible to split payment online (the Amex cashback T&Cs specifies online transaction). At the final checkout, there are two payment options: either by card or by bank transfer (via online banking). Either option requires full payment.
Customer service did advise that they are looking into a split payment option, but I have a feeling that it’s allowing bank transfer plus card payment; rather than multiple cards.

Seen a listing I like but short by 200 on credit limit. It would be good to do a split payment, any other success stories?

25th January 2022 at 16:36
#310414
#310414

gldc 7 posts

@Carlos, is its just £200, could you do that by cash?

25th January 2022 at 19:15
#310478
#310478

Leigh 30 posts

@Carlos, have you tried to request limit increase online? Alternatively, speak to Amex Credit Control team (01273576062) if it’s only £200 short.

25th January 2022 at 19:52
#310484
#310484

Carlos 758 posts

Instant increase in credit online with amex. But not how much I wanted. It was abit less. Asked for 18 got 15

4th May 2023 at 11:59
#487644
#487644

Alk123 8 posts

Does anyone know if its still possible to purchase a car using Amex at Cazoo?

4th May 2023 at 14:17
#487724
#487724

2ilent8cho 17 posts

Alk123 wrote:

Does anyone know if its still possible to purchase a car using Amex at Cazoo?

I’m going to guess not judging by their website.

There are a number of ways to pay for your Cazoo car.

You can pay using Visa and Mastercard credit and debit cards from your personal account. We’re unable to accept AMEX credit or debit card payments or payments from overseas.

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