Customer Credit Application And: Fill & Download for Free

What we did was start every customer with an interview. We would sit them down at a desk, build rapport, offer them a beverage and ask a standard set of questions designed to match them with a vehicle that would suit their needs.Serious buyers would typically embrace this step in the sales process. Joyriders would balk and say things like "before we go further I would like to drive the car and see if I like it." It becomes obvious what their intentions are.It's laughable, because I've never met anyone who's driven a M6 or a Ford GT and say they didn't like it. So when they continue to push for the ride, I would deftly say things to close the sale like "Everybody likes this car - you would be the first that didn't. So if we could come to agreeable terms would you be willing to take this vehicle home today? Pending a test drive, of course."Their obvious answer would be "Yes!" They think that would be the key to a joyride. But not so fast! My next statement is "Great! I just need to run a credit check to make sure we're all good before we go any further." I would then whip out the credit application, pull out a pen, and with a huge smile say "What's your Social Security number?"That typically ended the joyrider interview right there.

I sold cars at a Toyota dealership in Coeur d’Alene Idaho. It wasn't a dealership where salesmen swarmed you. It had what's known as an "Up" system. There is a board with all of the salespeople names on it. A little marker next to your name meant it was your turn. If a customer came, it was your customer.If you're not aware, Coeur d'Alene is in Northern Idaho. Right next door to Hayden Lake, Idaho. Very very racist area back in the day. It's not as bad now, but there still are vestiges of racism. Especially against Indigenous Native Americans.My very first day at this dealership was actually my very first day selling cars altogether. There were 4 or 5 people ahead of me when I see this Native person looking at trucks. He's looking pretty closely at a few of them. He stumbles a little bit, appears not so much drunk but somewhat intoxicated.Nobody was going out to help him. I asked the salesman whose turn it was, "WTF? There's a customer out there."This old timer looks as me with his all knowing smug little smile and says "It's a drunk Indian with a bag of beer." F**king racist B**TARD!Yeah, the customer was carrying a bag but how could he just assume it's beer?"Go ahead. Take him, but that’s your next turn," he said.I asked the other salesmen who were ahead of me it it was okay with them. They all said, "yeah."I pop on out to the customer and start talking with him. Yes, he's fairly drunk but seems adamant that he wants to buy two 4X4 Toyota trucks. It's already been approved and that's his reason for being in town today. They'll be for the Fish and Game Department of his Tribe. He's the Department Head. At the time I knew, but now I don’t remember his Tribe. There are quite a few of them up there.I show him a bunch of different trucks and we settle on two. I take him for a test drive in both. I of course didn't let him drive because of his inebriation but we still go out on the highway and then up some off road hills behind the dealership. He loves them.I ask, "Do you want to buy these right now?"He answers, "Yes."Holy Moly am I ever thrilled!We go inside to my little office. I write the sale up for the two vehicles with the sale price the same as on the sticker on the car. I turn it around to him explaining everything and ask him the normal question - wanna buy now...He answers, "OK."Remember, this is my first sale ever so I'm pretty green. I didn't realize we hadn't negotiated or anything.I have him sign the paper and excitedly rush towards the sales office. As I pass the other salesmen, they're laughing at me like I'm a dumb little dipstick. I don't get why but continue to the office."Boss, this guy wants to buy not one but TWO TWO TWO trucks!" I'm thrilled at how easy this all is."Good job, Greg," Dale, the manager, says. "How is he going to pay for them?"Wow, am I ever the dummy. I grab a credit application and go back to my office. The salesmen out there are laughing their asses off.I'm back at the desk with my customer and ask him, "How would you like to pay?"He places that paper sack up on the table. It has $25,000 and some change in it.There's a look of stunned anger from the other salesmen as they each peek into my office and see me counting through all of this cash. Once I have the correct amount counted out, I return to Dale’s office.Of course as I pass the salesmen, they're babbling how I'm not going to get the sale because it wasn't my turn, blah, blah, blah.Dale's face showed a bit of surprise as I came in with all that cash. Professional that he was he counted out the money himself and told me to go shake the customer’s hand. He also told me not to worry about all the BS these other salesmen were laying on me, the sale was mine, that he hoped the other salesmen learned their lesson.I go and shake the customer's hand, "Congratulations!" I asked if he felt he was too drunk to drive. He answered in the affirmative. I suggested we pull the trucks around back of the dealership and that he takes a nap before leaving. He agreed. I pocketed both sets of keys.A few hours later my customer came out and said he was now fine to drive. I first made sure he still wanted the vehicle - after all, he was drunk when we started.He left in one truck and came picked up the other later on. Over the next few years I sold this individual seven trucks. He also sent me a good 8 or 10 referrals who also bought. We became good acquaintances.My wife and I had dinner at his house a couple times with a bunch of other people from the tribe. We were always welcome there on the reservation. Whenever we’d show up tribe members would bring us a smoked salmon or two. I of course always appreciated them but also found it a little disturbing. It bothered me that white people still took advantage of the Indigenous to the extent that me, a white boy, was a sensation just because I knew we were all the same, human beings.Those other salespeople were sure pissed at me. Should've been pissed at themselves for being so racist. Dale slapped them down and told them all to STFU.You asked "If I walked into a new car dealership with $20,000 in cash in a briefcase, how would the buying process be any better/worse?"It really wouldn't affect anything. EVERYTHING is cash to the dealer. If you finance your car, it's still CASH to the dealer. You may save a little time because the Finance person doesn't have to try and get your deal bought but that's about it IMHO.Actually, you may not get quite the same deal on the car because they know finance won’t make any money from your lack of payments.If you’re not aware, when you go finance a car at a dealership, they send your credit application and the sales contract to a variety of different banks. So say one of the banks says they’ll finance the deal at 4%. The dealer will then come back to you and say, “We got you a really good rate on your loan. It’s only 7.8%!” The dealer then gets the 3.8% difference in CASH.Here is the math:$523.07 per month = $30K at 7.8% for 72 months$469.36 per month = $30K at 4% for 72 months$523.07–469.36=53.71$53.71 X 72 = $3,222.60 additional profit to dealerEDIT: My answer is based on the U.S.A. during the 1970s into the late 1990s. Based on an answer from a reader from Romania, I question if what I typed is even pertinent today. Please research yourself before taking anything I said into consideration when you’re buying a car.

We own a fashion store in Tagore Garden, New Delhi. We do accept payments via Cash & PayTM.Now, Today two boys in their twenties did some shopping worth approx. 7500 and asked to send payment via PayTM.One of them was continuously doing something in his phone and the other one was checking out the products. One told his name as Rythym from Paschim Vihar.It was as usual like any other transaction but this time, we didn’t receive it in the application “PayTM For Business” but we received the message saying we have received the money and payment will be delayed as Paytm server is down. But the customer showed us the success message on his phone. We asked them to wait as we didn’t receive it. They waited and in some time they started to turn out impatient. Now we are new to retail on a physical store but we are doing this business online since 4 years. So we refused to give delivery of the products till the moment payment is credited in the Business Application.And I asked them that if the Paytm server is down then no problem they can pay via cash and then they starting acting weird and acted like they’re running late and rushed out in a hurry, started their car and left by saying that they will bring money from the ATM.I have attached the fake messages screenshot and the faces of the criminals.CONCLUSIONThanks to that PayTM Sales Field Guy who registered my shop as a business on PayTM who told me that NO MATTER WHAT MESSAGE YOU RECEIVE, DON’T LET THE CUSTOMER LEAVE UNTIL AND UNLESS YOU SEE THE SAME AMOUNT CREDITED AT THE SAME TIME IN YOUR BUSINESS APPLICATION.BEWARE OF SUCH FRAUDSTERS!!!Edit 1: 15 July 2018 : Got the address of one of the boys in red tee.99C, BG-6, Paschim Vihar, New Delhi