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And research confirms that people do in fact spend more money often, substantially more money when they make purchases on a credit card instead of using cash. It makes sense. Cash is a tangible piece of paper with value attached to it. When you spend it, you have less of it in your wallet.
What is a credit card agreement? A credit card agreement is a contract that details the fees, rates and other provisions a business is subject to when it signs up for and uses a credit card processing service.
So credit cards are a hard no for many auto dealers, while others accept them only within limits. And dealers that do let you use a credit card for the whole thing aren't going to give you the same price as if you were paying cash.
A credit card allows you to make purchases and pay for them later. In that sense, it's like a short-term loan. When you use a credit card to make a purchase, you're essentially using the credit card company's money.
Minnesota prohibits a seller of goods or services that establishes and is responsible for its own customer credit card from imposing a surcharge on a purchaser who elects to use that credit card in lieu of payment by cash, check, or similar means. The laws in California and New York have been challenged in court.