<prompt> Human: Hi PF. I am thinking of buying a vehicle outright. Whats the better option in terms of creditpointsvalue? Id like to get points of course, but if paying in cash means Id get a better value, Id be up for that too. Im just trying to maximize my benefits for a large purchase.1. Ask for a temporary if this even exists credit increase on one of my cards and put the total on the card and the pay it off at the end of the month?2. Split the cost of the vehicle onto 2 credit cards no need to ask for increase and pay it off at the end of the month?3. Pay in cash?Assistant: Its likely the dealership will fight you on trying to use a credit card given the amount of fees they pay for the transaction.Side note - Why would you want a temporary increase? Why not just get the credit line increase and leave it after youve paid it off?Human: hmm good point on the credit card fees. i feel like i might end up paying fees too for using a credit card.regarding the increase, i already have a pretty high line, i would just need a bit more of an increase, i dont know if it would hurt to have a high increase and never meet that threshold.  <response>: The dealer will definitely find a way to pass those fees on to you ; i dont know if it would hurt to have a high increase and never meet that thresholdAs someone with 6 cards with 20k limits on each who charges expenses of 1-2k per month, I can assure you it does not. 