<prompt> Human: For some background, Im 27, 10k left in student loans 5 ish. Recently started contributing to a 401k 3k, 1k in HSA, 6k in checking. It looks like my old civic is on its way out, and I am thinking about buying a newer car, no less than 5k, debating some more expensive options maybe as much as 10k. Rather than empty my checking account or buy a beater, I am thinking about maybe putting it on a 0 APR credit card and paying it off before it starts collecting interest. My current credit cards are all 15-25 APR. That got me wondering, can I even get approved for another credit card, given how high my current credit limit is? Is there some sort of limit on how much credit I can get access to? It seems absurd to me that my credit limit is as high as it is. I actually hate the idea of credit card debt, and I only opened 6 credit card accounts for the free miles, rewards, etc. But, in this particular situation it seems like a 0 credit card might be the best option.FWIW, I live frugally in a high COLA, so my monthly expenses are about 1200 for rent and utilities, 800 for everything else. My take-home is about 2800mo after taxes, medical, retirement, etc.ETA: some dealerships offer very low APR financing my bf got his new Subaru at 1 APR. Could my high credit limit be a potential barrier to that? At what point does a high credit limit become a negative? My credit score is 760ish.  <response>: You might get a down payment onto the card but pretty guaranteed no one will let you buy the whole car on a credit card as a purchase because the dealership loses money on merchant fees. 