a wire transfer. And if they don’t, they are the exact type of person the dealership wouldn’t trust with a credit card transaction because credit cards are much more prone to fraud.

Read this…pretty specific that credit cards are accepted at SOME dealerships, but only for the down payment.

A dealership would be absolutely stupid to take the entire purchase price on a card, without at the very least passing the fees onto the customer. And then the customer would be very stupid for doing it that way…without just doing a wire transfer.