Car purchase on a credit card

11cas

I have an M&S credit card with 15 months 0% on purchases. I was just wondering whether anyone has purchased a car using a credit card? Will it be classed as a purchase? The car auction place will charge a 3%(plus VAT) surcharge for using the credit card to purchase the car, but I was just wondering whether my credit card would also charge me a fee for using it or would it be classed as a purchase and therefore 0% for 15 months.

I'm only interested in doing this because we are currently offsetting our savings against the mortgage, therefore I'd rather take advantage of the 15 months 0% if I can.

Any advice will be appreciated.

Thanks

Shimrod

It would count as a purchase, so there would be no additional fee from M&S. But before you do this, search the board for sterling travellers cheques. It's been mentioned several times on here and is a way of doing a super balance transfer to your current account with an M&S card. It also counts as a purchase, and the fee for the travellers cheques is 1%, so could save you a bit of cash.

m00m00

bought my last car on a mix of credit/debit card (999 on credit card as there was no surcharge for under 1k), and the rest on debit card.

straight forward purchase as far as billing went.

11cas

Thanks for the replies - it's appreciated.

bouncydog1

If you have cash you will save the car auction fee of 3% and might be able to do a better deal with them?