<prompt> Human: First of all I am sorry for my english.Hey, guys I plan to buy components for a new pc.So.. because thats quite expensive I would like to do it with monthly paying. But this shop offers financingor installment-plan via the Santander Bank and I read some bad stuff about this bank.So should I go for it or nah?I appreciate any kind of help. Assistant: You should save your money and buy without financing. If you have to finance a PC you cant afford it. Human: I actually can afford it but now immediately, I just want to have my PC now. I would pay 2-3 months and then I get my payment to instant pay the whole sum. Its just that I dont know if i step into something fishy with this bank.  <response>: Teach yourself discipline and wait until you have the money. This thinking is how people dig themselves in debt. 