<prompt> Human: Came back from the auto shop with a 3k bill. I could nearly deplete my savings of 4k, or put it on my credit card that has a 9.7k limit. There is currently a zero balance on my credit card. The card also holds low interest. So, should I just pay the bill in full with cash? Or would it be better to keep my cash reserves and pay it off incrementally on the CC?Thanks!  <response>: Ask if you can get a discount by paying in cash. Otherwise use credit and pay it off when the statement is due. 