<prompt> Human: I really want to buy a video card upgrade for my computer. Not to play games on, but to run BOINC so I can do computational work for scientists around the world. Its all automated, i just set it up and let it run. I pay flat rate for utilities, and built the computer just for this to take advantage of not paying extra for extra electricity usage. Since then its become my main multipurpose computer. This upgrade would make it complete. I put it off for a week now to be sure I really want it,and its still burning me up. Problem is I already have 600 on my credit card,this would add about 200 more. I have 4k in the bank, to last me until I graduate and get a real job. Ive also been putting off paying the credit card because it hurts to drop my savings so much to pay it; never had this much on it at once before. Is there any reason to keep putting off paying the card? The bill hasnt come yet for this month, it will be the first one with a balance on it. And what kind of considerations do you guys make when spending money on parts to essentially do work for free for other people?  <response>: Problem is I already have 600 on my credit card,this would add about 200 more. I have 4k in the bank, to last me until I graduate and get a real job. Ive also been putting off paying the credit card because it hurts to drop my savings so much to pay it; never had this much on it at once before. Youre throwing money away on interest. Pay off your card when the statement comes. 