<prompt> Human: Im 27 yo and Id like to own my first new car. Im thinking of paying about 22,000 for a new Mazda 3, and I have about 16,000 saved up to be put down as a down-payment. I also have a run down car I can use to trade in, however Ill likely only get 1,500 for it if Im lucky. So whats the best way to pay for this car? Could I put it all on my credit card, or would that ruin my credit? I have about a 767 credit score right now, I dont want to ruin that. Any other optionsopinions of how I should pay for this? Any advice is much appreciated. Id like to go about this in the smartest way possible even if that means ultimately buying used, though I dont want to.Assistant: Its very unlikely the car dealership will let you put the entire purchase price of a brand new car onto your credit card.They would lose too much money to merchant fees for it to be worth it to them.Human: Do you think Ill be able to throw at least some of it on the credit card? Example: 12 grand down-payment, and 4 grand on a credit card which Ill use the rest of my savings to pay off in that month? Then finance the rest with a standard auto loan  <response>: Yes, do this. Any amount you can put on your credit card do so for the points as long as you pay it off before it incurs any interest. Good call and good thoughts. Also, for what its worth dont buy new and dont finance anything, pay cash for a used, dependable car. 