<prompt> Human: Hi.I have been building my PC for a few months now and I only need one more part before its finished, this is the most expensive and most cruical part, the GPU.I have a part time job and wont have enough to buy what I want 600 USD for at least three months because I give half of my paycheck to my mom to help pay for groceries and bills.I dont really want to wait three months, am I being ignorant for thinking of signing up for a credit card so I can buy what I want now and pay it off later?I am embarrased to post this because it may make me look very ignorant, but I have to learn.Thanks.  <response>: Better not spend money you havent earned yet. 