<prompt> Human: Im looking to buy a car soon to replace an aging and repair prone car, and I have some cash but Im debating whether I should pay down some of my CC debt first and save up for a down payment, or use the cash for a down payment on a car now. Im not exactly sure how each option affects me short term and long term. The car down payment seems sensible short term because it would reduce monthly payments, but there must be more to it because of the different interest rates.Numbers:Credit score 795Car Budget: 32,000 not including trade in, down payment, etcPre-approved loan rate: 1.9Credit Card balance: 5k with a limit of 7kAPR: 9.99Cash: 2000Expected trade in value of current car: 1500-2000What are the outcomes of paying the CC now and saving up for a down payment, vs a down payment on a car now paying down CC longer term? Thanks!  <response>: The fact you are carrying CC debt makes me think you shouldnt buy a 32,000 car 