<prompt> Human: Hello all. I was in a car accident where I was fully not at fault other guy ran a red and which totalled my car. I will receive a settlement of 10,000.00 from my insurance to get another car. I have 2700.00 of credit card debt.I feel that I can get a good car for less than 10 K, but probably not for 7300.00. Besides, I see this as a potential opportunity to A: pay off my debt and B: build my credit via a car payment.I think there must be a way to get a loan from my bank, pay off my credit card, then make extra payments on said loan that will ultimately benefit both me and my credit score.What are your thoughts, oh internet?  <response>: I feel that I can get a good car for less than 10 K, but probably not for 7300.00Yes you can. build my credit via a car payment.Do not do this. 