You have a rather creative way on buying a car. In this case a Used car. I would think very hard about buying a car with a credit card regardless of the rate. I tend to agree 4.9 for a used card is a good deal if that is infact that case as Tony suggests talk to MBNA and findout for sure the rate for cash advances. A few other things you mentioned concern me too.1. I would much prefer a regular loan to a credit card anyday. In 6 months that rate will jump, you didnt specify what APR that wil be then but It should be about 12 and less than 18 I would suspect. Then you be stuck with that balance at the higher rate. As opposed to a higer Rate loan with a fixed term to it. There is a trade off there and you might come out ahead paying the higher rate now versus the credit card rate for 2-3 years.2. Using Stocks as a back up is just as risky. That money is/should be for Long term growth like retirement, education for kids - in general if you plan on using that money in the next 3 years (I think that is the rule-of-thumb) you prolly whould not have that money in the market. Rather it should be in a Money Market or maybe CDs. 3. You may really end up cutting your retirement money (Stocks) by a 4-5K to avoid finance charges. That is money that you really need to start building up to get the real advantage of Compound Intrest. It puts you that much further back.Good Luck. I think I would look at what kind of Financing I could get with a normal Used Auto loan first. Also try not only the dealership (if its reputable) or a bank/credit union perhaps.Please let us know the outcome. Like I said your solution is creative if not risky... RobBottles
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