Credit card company charging "Cash advance fee" + interest for buying a physical product

DullGreyGuy

[Deleted User] said:

DullGreyGuy said:

sausage_time said:

I'm buying a phone from Amazon on a similar deal, charging the payments to my Amex credit card.  No interest charges (currently at month 7 of 12) and cashback on the transaction. 

Is your finance from Amazon or Barclays? 

My guess is its Amazon and they don't have a separate merchant ID for their finance as their products and so AmEx don't realise its paying a loan rather than buying goods/services. 

Where it's offered, Amazon effectively allow you to pay in instalments but you're not using an intermediate credit product like you're suggesting.   

The poster has already confirmed that they were offered credit from Amazon but there are cases where Amazon use Barclays see https://www.amazon.co.uk/Barclays-Instalments/dp/B094DFWTMC it tends to be for larger purchases like https://amzn.eu/d/6nqBwRe you'll see states instalments are via Barclays

[Deleted User]

DullGreyGuy said:

[Deleted User] said:

DullGreyGuy said:

sausage_time said:

I'm buying a phone from Amazon on a similar deal, charging the payments to my Amex credit card.  No interest charges (currently at month 7 of 12) and cashback on the transaction. 

Is your finance from Amazon or Barclays? 

My guess is its Amazon and they don't have a separate merchant ID for their finance as their products and so AmEx don't realise its paying a loan rather than buying goods/services. 

Where it's offered, Amazon effectively allow you to pay in instalments but you're not using an intermediate credit product like you're suggesting.   

The poster has already confirmed that they were offered credit from Amazon but there are cases where Amazon use Barclays see https://www.amazon.co.uk/Barclays-Instalments/dp/B094DFWTMC it tends to be for larger purchases like https://amzn.eu/d/6nqBwRe you'll see states instalments are via Barclays

I've been offered Barclays finance on Amazon but that's Barclays as an intermediate provider. 

Amazon does also offer instalment payments (split over three months) on some larger products based upon account conduct - I don't consider that the same as the Barclays product. 

sausage_time

DullGreyGuy said:

[Deleted User] said:

DullGreyGuy said:

sausage_time said:

I'm buying a phone from Amazon on a similar deal, charging the payments to my Amex credit card.  No interest charges (currently at month 7 of 12) and cashback on the transaction. 

Is your finance from Amazon or Barclays? 

My guess is its Amazon and they don't have a separate merchant ID for their finance as their products and so AmEx don't realise its paying a loan rather than buying goods/services. 

Where it's offered, Amazon effectively allow you to pay in instalments but you're not using an intermediate credit product like you're suggesting.   

The poster has already confirmed that they were offered credit from Amazon but there are cases where Amazon use Barclays see https://www.amazon.co.uk/Barclays-Instalments/dp/B094DFWTMC it tends to be for larger purchases like https://amzn.eu/d/6nqBwRe you'll see states instalments are via Barclays

OP bought from Samsung, not Amazon.  I gave the Amazon example.

penners324

Paying off debt with a credit card is considered a cash transaction