<prompt> Human: Im getting reimbursed through my company for up to 3500 and I want to use that money as a down payment on a car. Unfortunately, I dont have 3500. Will using my credit card to such a high degree relative to my credit limit hurt my credit score?Also, assuming I cant pay all of my credit card off within a single payment cycle, does paying less than the maximum amount lower my credit score? Can someone explain how credit card payments work?  <response>: its not really down payment if you take another loan for it 