<prompt> Human: Hello Finansers.. I am preparing to buy a new car from a Los Angeles car dealership. It cost about 20,000 which I have saved up in my bank account. I do not have a credit card or much credit history but I would like to either 1 use this car purchase to build my credit or 2 buy it with a credit card where I get bonus points, cash back, etc.How can I use my car purchase to build credit?Can I buy it on a credit card and pay it back interest free that month while reaping benefits? Which credit card is best for that? Any tips on getting a 20,000 limit on my card?Any pros or cons of what Im doing? Any tips or suggestions related to my situation are much appreciated. Thanks!  <response>: From what Ive been told, places that allow you to put a car on a credit card tend to charge enough of a surcharge to make it not worthwhile. The last time I bought a car, I was told it was an option, but there was a 3 surcharge, which would have wiped out the benefits. 