Making a big purchase over $2500. I have the money to cover it. Should I get a loan or just place it on credit?
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.