I have to buy a new car. I could finance through the dealer or a bank and get a 5.5% or 5.9 % rate and get multiple credit inquiries on my credit or use my credit card to pay for the same car @ 3.9%. I'll have 3.9% for the life of that purchase by using a check provided by the credit card company. The negative to that is it will push my credit used to 75% of the credit limit.Which is worse on my credit score? A standard 60 month car loan at a higher rate or a credit card with 75% of my limit used. I will be able to make a larger payment on my credit card but it will still take about 48 months to pay it off. I stand to save about $2000 over the life of the loan going the credit card route. The purchase price is about 14000 for the car.Any advice would be appreciated.