<prompt> Human: I really need some insight on if I should use my new credit card for a down payment on a used car that I am trying to get. Im just beginning to start my own life and be independent financially. I just got my first credit card with a 1500 dollar limit at 0 APR for 15 months and am looking to finance for a used car with a maximum of 9000 dollars. I already tried to get an auto loan through my work but unfortunately I dont have enough credit history yet to get approved for one. I currently make 1590 a month after taxes and the only thing I pay for is 325 a month for rent, soon auto insurance will be added to that as I am looking to get a policy. I currently dont have my own car and have been getting a ride to work from some of my friends and my girlfriend.What are the best steps for me to take from here?  <response>: Presumably you spend more than 325mo. You eat and clearly have internet. If you have 1kmo to put towards this car, why not wait 6 weeks until you have the 1500 for the down payment?It looks easy to put the 1500 on the card and pay it off in six weeks. But, believe it or not, a lot can go wrong in 6 weeks and youre operating without ANY net. You have no emergency fund and no other savings. If anything goes wrong, youre now stuck with both a car payment AND a credit card bill you cant pay.If you MUST finance the car, wait until you have the appropriate down payment. We would really prefer that you have 3 months expenses in your emergency fund before you buy the car. 