<prompt> Human: Hello,I am getting engaged and am in the market for an ring that will probably be in the 10,000 dollar range. I am in a strange position with my credit in that I have a pretty short history which included just 8500 in student loans which have been paid off in full and two credit cards which I have only had for 8 months and 5 months respectively I had put off getting a credit card pretty stupidly for years as I was busy with grad school,etc. My credit limit is 3000 on 1 card and 1500 on the other so I cannot really put the full balance on those. I am fortunate enough to have enough money to pay for it without financing if necessary without adversely affecting my finances but I would like to maximize positive impact to my credit if possible. My current credit score is 725 according to credit karma. I was wondering if I should get a loan to have more stuff on my credit history or if I should get the bluenile credit card and put it on that although I dont know if I would qualify given the short length of my credit history and pay if off in the 1 year interest free period, try to get my credit limit raised or just pay cash. Any help would be greatly appreciated with this.TLDR: want to buy engagement ring. Have the money but want to maximize benefit to credit  <response>: 1. Never take out a loan for a luxury item.2. Despite what the De Beers corporation has told you, 10k is way too much for a ring. 