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Car Repairs - travel or misc?

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expatCanuck
Super Contributor

Car Repairs - travel or misc?

Will shortly have to pay for car repairs. Deciding which card to use.

Any chance that car repairs will fall under travel (in which case I'll use the CSR)? If not, I'll use the DC.

2025 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8502 INQ (Auto, Mort)7y4m
EX8506 INQ (2 CC, 2 mort, 2 auto)7y
TU8501 INQ (CC)6y8m
3/241/12AoYA 10m | AoOA 24y2m~1%

Yeah, FICO 9 is 850 as well. Smiley Happy
Message 1 of 19
18 REPLIES 18
Nomad3
Frequent Contributor

Re: Car Repairs - travel or misc?

My dealership just coded as automobile/other (*IIRC) on propel, pretty sure its going to be rewarded as misc.

* I tried to double check but WF is not currently showing me category codes on posted transactions (half the time I check posted trans on the app the category is listed then randomly later no categories are shown)
Message 2 of 19
expatCanuck
Super Contributor

Re: Car Repairs - travel or misc?

Thanks, @Nomad3.. It was worth a shot.

 

On the plus side, there's a pho place near the car repair shop (Silver Spring, MD).


2025 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8502 INQ (Auto, Mort)7y4m
EX8506 INQ (2 CC, 2 mort, 2 auto)7y
TU8501 INQ (CC)6y8m
3/241/12AoYA 10m | AoOA 24y2m~1%

Yeah, FICO 9 is 850 as well. Smiley Happy
Message 3 of 19
Nomad3
Frequent Contributor

Re: Car Repairs - travel or misc?

I'll let you know for sure in about 8-10 days when statement cuts and see if I get 3x points from it, but I'm not holding my breath
Message 4 of 19
Anonymous
Not applicable

Re: Car Repairs - travel or misc?

It will most likely be considered misc, but I hope it shows up otherwise.
Message 5 of 19
Anonymous
Not applicable

Re: Car Repairs - travel or misc?


@expatCanuck wrote:
Will shortly have to pay for car repairs. Deciding which card to use.

Any chance that car repairs will fall under travel (in which case I'll use the CSR)? If not, I'll use the DC.

I'd bank on it coding as Misc, but could you buy something small as a test ahead of time? My mechanic sells air fresheners and assorted accessories, for instance.

Message 6 of 19
digitek
Established Contributor

Re: Car Repairs - travel or misc?

I really wish there was a card that offered automobile repair/mechanincs or auto parts stores as a bonus category.  I've been on the lookout for one for a few years now, but have yet to find one.

 

Anyone out there know of one please let let me know!

 

Message 7 of 19
wasCB14
Super Contributor

Re: Car Repairs - travel or misc?


@digitek wrote:

I really wish there was a card that offered automobile repair/mechanincs or auto parts stores as a bonus category.  I've been on the lookout for one for a few years now, but have yet to find one.

 

Anyone out there know of one please let let me know!

 


There are a few manufacturer-specific cards, as well as store cards for parts retailers. Any particular brand?

 

I put a few automotive things on CSP and CSR over the years but I don't think any ever counted as "travel".

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 8 of 19
M_Smart007
Legendary Contributor

Re: Car Repairs - travel or misc?


@expatCanuck wrote:
Will shortly have to pay for car repairs. Deciding which card to use.

Any chance that car repairs will fall under travel (in which case I'll use the CSR)? If not, I'll use the DC.

You Don't have Disco it miles?

Message 9 of 19
expatCanuck
Super Contributor

Re: Car Repairs - travel or misc?

@M_Smart007 

I didn't know that that was a thing.


2025 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8502 INQ (Auto, Mort)7y4m
EX8506 INQ (2 CC, 2 mort, 2 auto)7y
TU8501 INQ (CC)6y8m
3/241/12AoYA 10m | AoOA 24y2m~1%

Yeah, FICO 9 is 850 as well. Smiley Happy
Message 10 of 19
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