<prompt> Human: I will be putting down 8K on a 15k car. My credit card has a 20K limit and no APR for the first year. Should I put the whole 15K on the card, immediately pay 8K and pay off the other 7K before my first year is up?Also, should I wait till they report the 15K before paying my 8K or not because 75 could be too high utilization?  <response>: I bought a car two days ago and the dealership let me put 3k down on a credit card. 