<prompt> Human: Im 29 years old and have never owned a credit card. My credit is based solely on my student loans that I have been paying off for the past 8 years and a couple of years of apartment rentals. I have taken my girlfriend to almost all of the jewelry stores and she has liked rings from 700 to 8500. Some of the stores have financing options through them, but the store where she has selected the ring only does layaway. Im all for waiting to buy with cash, but in this particular instance I need it pretty quickly. The jewelry store brought up that I could finance through my bank, but I am unsure how to go about that as I have never acquired a loan before. I have saved up about 1000 dollars and the ring is 2200. Do I just walk into my bank and ask them for a small loan or credit card? I would need a credit limit of about 1500 on a card, and I dont know if they would give that to a first time credit card holder.Edit: I need it quickly because the wedding is in August, and it is being paid for by her parents. Im really only responsible for the ring, and I want her to have whichever one she chooses. I can pay off the loan in a rather short amount of time so it really isnt a problem.  <response>: You shouldnt need to take out a loan for a wedding ring. in this particular instance I need it pretty quicklyWhy? 