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making a big purchase over $2500. i have the money to cover it. should i get a loan or just place it on credit?
user
you want to know if you should pay cash or use a credit card like cash? there are so many benefits to the card, like purchase protection, cash back, and postponed payments, that there needs to be a really good reason to pay cash.  if you are concerned about the 10% threshold, ask your credit card company to raise your limit.  if you are indifferent, let the merchant decide for you by asking for a discount if you pay cash.  the biggest reason is that credit cards, when handled shrewdly, make your money work for you by keeping it in less liquid / higher interest investments like inflation-adjusted t-bills. you will still be able to access it by using the credit card to float large expenses without liquidating at a loss. investment accounts like schwab one are great for this since you can "borrow" cash at a low interest rate against your securities, until your security sale clears.
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