<prompt> Human: Im about to purchase a new phone Note 8, around 1000 USD that is to replace my 5 year old and dead Sony Xperia Z1. Im using an old dumb phone at the moment and I am missing a lot at work until I get in the office. The cellphone store where Im purchasing the Note 8 offers 61224 months installment with no interest so thats good news! Planning to pay it in 1224 months time.However, my credit limit is exactly at 1000 and I regularly use my credit card for bills life plan, internet connection, mobile plans. So if I max out my card, then I wouldnt be able to use my credit card to pay my bills. If I may also add, my credit card is maxed at the moment but its not me whos paying the debt, but my dad and my sister they booked a hotel for a family outing with my card, in installments. However, they will not be able to pay it immediately in 2-3 months time. I have around 1500 in disposable income that Im willing to pay off for this situation.Mobile carrier plans are not a choice as those phones will be locked to the carrier and I will be travelling in and out of the country for a while which is very useful for unlocked phones.If I pay off my current debt in the credit card and pay in whichever duration of the installment, then I would not be able to use my card 1224 months until I pay off any amount of debt that I have accrued from buying the card.If I pay off my current debt AND the amount I will accrue from buying the phone as soon as it shows up in the card, then I wouldve emptied my bank, leaving me vulnerable to emergency situations.I can also pay the store in cash for a partial amount, and the remaining balance will be paid in installments via card and be still be able to use it!. However, I am missing the full benefits of paying with my CC. I am also wondering which length of installment is ideal, PROVIDED that you are always able to pay the bills on time and in full.EDIT: wow, are you guys rpersonalfinance or rfrugal?  <response>: If you dont have the cash to pay for it you shouldnt buy it 