Ideally you would zero your credit card before the 0% expires. Extra money would go towards the car to minimize interest from the relatively high 6.9%, sooner than later. As for your score, an installment loan may help you past the halfway point, but hurt you if not yet at it. With one of each reporting a balance, I can well imagine that a ~90% installment util is worse than ~30% on a card.
Thanks everyone. The car can essentially be paid off by the end of next year but I think it is smarter for me to try to bring down that credit card. That's where it will end up costing me more. You guys are awesomeness! Have a great day.
Agree.. Pay off Credit Card.. The Installment loan on car helps- adding another form of credit mixture for your score.