Cheapest funding method

[Bez]

I will shortly be buying a car and will need to fund this in some way.
If I was buying from trade I would simply pay by credit card and then open an &MORE credit card from M&S and transer the amount on to that to take advantage of the 4.9% rate.
However, I am buying privately, so will not be able to pay by credit card and then balance transfer it.
Is there any way that I can engineer the funding to use this 4.9% as it seems to be significantly better than any other method of funding that I can see.

Thanks in advance for your help

[johnny37]

Is the 4.9% for switchers only? If not and you can go up to the purchase amount on your credit card then presumably you would be able to get an overdraft. Use the overdraft to pay for the car then use the credit card to clear the overdraft.. I like overdrafrts anyway as the balance goes down every time your salary goes in and you can pay it off anytime so lonmg as you make sure it reduces every month.

[erimus1]

Although legal(ish), its certainly not ethical. And ask them if they will process a payment for the purchase of a car through your credit card and buy it back straight away for cash - you will have to give them something for their trouble but it may be worth it for you to raise the funds to go and buy privately.