如果考虑以后买房能拿到低利率的贷款，那么买新车是最好贷点款，有利于建立良好的还款记录。如果信用卡本身的限额低，一次划一大笔就会降低credit score。我个人觉得如果不贷款还是用check 或者money order比较好吧，也有人说可以多划几张卡，但是没敢干过！

如有0利率，当然贷款啦。

dealer是不会让你用信用卡付很多车款的。顶多2000

买车用信用卡有cash back的 吧？

I used 4 credit cards when I bought a car for 12000. They let me use credit card but I had less bargaining power..... Cash is king. If you have cash you may get a better deal!!!

I guess manufacturer-sponsored low or 0 APR would be the best choice. It's harder to negotiate price with the dealer.

买BMW吧，贷款利息是0.9％，二手BMW认证的利息也不过2.9％，哈。