<prompt> Human: 24 yo female, great credit score but not enough credit. I am financing a 2012 Subaru Forester this Thursday and it will be co-signed by my father in law. If possible, Id like to use the monthly payments to either gain points for travel or just improve my credit score overall by making the payments using a credit card like a chase sapphire. Is this a bad idea or is there another way I can go about it that will be advantageous to my situation? Edit: I can afford the monthly payments wo a credit card. Im asking if using one like a chase sapphire would be a good way to further build credit or rack up travel points.  <response>: You cant make loan payments directly with a credit card. Any workaround to make payments with a credit card will have fees associated with it. Dont pay money to improve your credit score, making your loan payments on time will do that just as well. 