I remember a time when buying on an American Express card or other credit cards would add a year or more to a warranty, however I believe that it covered things like appliances and electronics, perhaps sporting equipment and maybe even cars... but not construction projects. If you are concerned that the company might fail to deliver your cabinets, perhaps you should find another cabinet maker?

I’m not particularly concerned about them going out of business - they have been around for 30 years. But their standard payment terms require full payment before delivery. That’s more concerning so the credit card protection is comforting.

It's been years but Precision is one of the best cabinet companies I've used. They were early in N CA with high end factory finish and the process I was seeking. Awesome facilities. Woman run finish section when I switched to them approx 2005. That sold me. I would use them again if I had clients closer to their shop as in person design meetings are needed for me and they are a 3+ hour round trip. My clients and projects are mostly east of Sacramento and there are custom cabinet fabricators here who have developed similar qualities since. My contact at Precision, Tim S is still there.

We also had to pay up front. I think it was 70% on order, and the remaining balance when the cabinets were delivered to my kitchen designers warehouse. We paid cash. Did not want to pay an additional 3% for already expensive cabinets (not as high as yours, however!) Our designer has insurance for theft, fire, etc., while the cabinets are in her hands.

DH and I have discussed using the credit card for some of the home purchases, but only to received the travel awards that we save up for. I don't think that credit card protection would help should something happen with your cabinets. It is worth looking into, I would think.

Are you GC'ing this yourself?

Not GCing it myself. Perhaps I should just put the last payment on a credit card. That way it isn’t costing me as much money, but I still have protection in the event something goes wrong with my order.

Do they offer a discount for paying in cash? When my parents renovated their entire house two years ago the cabinet company offered a 15% discount for cash payment and offered a warranty anyway. They took them up on it because that was a nice savings.

Agreed - that’s a nuclear option. I would only use that if I for some reason was not getting a response or an appropriate resolution.

The price is the price, but if I want to pay on a credit card it is an additional 3%.

No credit for us. I cannot say if or if not our kitchen designer might have benefitted from us paying cash.

Another reason to pay with credit is rewards! For get the cabinet risk or not and enjoy the rewards. We went to Maui twice with our airmiles.

My JPM holdings appreciate this line of thinking!

I agree that I generally feel better paying with a credit card . We pay it off immediately, but there is a layer of protection in having the CC company on your side. When we re-did our kitchen, we were not able to pay by CC. We wrote a check. Yes, the cabinet company is extremely well regarded and reputable and all good things, but I was more concerned if there would be any discrepancies or problems and how responsive they would be. (as it turned out, there were no issues. one cabinet was the wrong size and they sent the replacement in a week. no drama.

But, it required a leap of faith on my my end.

The thing is, long lived and well regarded companies do go out of business and s-it does happen.

The bit of research I did, seemed to show that credit cards were not an option in purchasing cabinets