Answer: -That would be a bad idea, if you are late on a car payment you will pay a minor late fee, if you are late on a credit card payment they can double your interest rate and demand payment in full for the balance owed, you need to read the small print. Credit cards are not your friends you need to pay them off as quickly as you can and only keep them for an emergency. Do not get stuck in the credit card trap. -But, every other thing you buy on the card will be incur interest payments. I'm never in favor of treating credit card debt as something you will pay off over time. Better to keep the two separate and pay the payment on the car and quickly eliminate the entire credit card debt. Credit card debt pulls you in and all of a sudden, your good financial situation turns bad. Don't let this happen. -If the interest rates are the same I don't see any big deal. However,make sure the rate will last the whole time you are paying off the car. Otherwise the interest rate might jump. I think I would stick with a separate loan. That way the interest rates are locked. A credit card can change its interest rate at any time, but your auto loan is probably a locked rate. -Not a good idea. The bank will say they will wave the transfer balance charges, but what they are not telling you is the interest rate they are charging. When you have an auto loan, there are charges of interest, now your adding rates to your interest so what is happening is that you keep on paying the interest. Take it from me, I pay another card debt by using balance transfer which i kind of regret because the interest is pretty high. Stick to the current auto loan and slowly pay for it, but not by balance transfer or whatever. good luck and credit card is an evil thing. So hard to control your spending.