Unusual request regarding using credit card to make final payment on PCP finance

Voyager2002

MarkMTH said:

So thank you all for your comments. 

Couple more vaguely worded replies from them but their systems were back online yesterday so I was able to call and discuss it.

They still claimed it was more of a responsibility thing but never gave a straight answer when questioned what the rewards / points element.  They passed to a manager who authorised the payment, so sorted. 

I still have my doubts about their motivations though.  

Thanks.

I think that (i) credit cards are more expensive for them than debit cards or bank transfer, so their first choice would be to refuse. However, bad debt is very much more expensive, so they would prefer to accept a credit card rather than send the debt to collections. They were trying to find out what you would have done if they had refused to accept the card.