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What kind of income are you looking at for an extra month, even with a huge payment like a car (which I don't think people use credit OR debit cards for in Europe)?

I suspect for the vast majority of people it's going to be negligible at best.

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In the UK, the biggest advantage of using a credit card for the first £100 of any purchase is that it makes the credit card provider jointly liable with the vendor for any failure in the contract. This is an awesome bit of consumer protection.

I've never tried buying a car with a credit card (though my credit limits are, insanely, high enough that I could).

I would guess it might be seen as a cash advance and charged interest immediately, also not accrue into the loyalty rewards. But I don't really know.

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