<prompt> Human: Hey all, Ive been saving cash for a new laptop and Ive hit my goal now. My question is if I should apply for financing anyway as a means to build up my credit. If so, is it better to make the monthly payments or could I pay it in one lump sum afterwards and have the same credit benefits? Or is it best to just not deal with any of this? Thanks!  <response>: If you want credit, get a credit card and start using it for purchases. Then pay it off in full each month. That is the best way to build credit when just starting out. 