<prompt> Human: Hey guys.Im a college student in need of a new laptop, and Ive decided to go with the new MacBook Pro, which runs around 2300 or 1900 refurbished. Ive been thinking about opening my first credit card with my credit union to try and build up some good credit. My question is: is it good for my credit score for me to purchase my laptop and then pay it off with consistent monthly payments? Realistically, I think I can have it paid off in around 12 months. To add some context, I have a job that pays well, so Im not worried about not being able to make a payment. The only forms of credit I have are a low interest car loan and some federal student loans, no private. Thanks for any help!  <response>: Building credit with a CC: what size purchases should I be making?Purchases you would make anyway that you can afford to pay off when your statement posts. If you only afford to pay off the MacBook in 12 installments, you cant afford the MacBook. You dont need to pay interest to build credit. 