<prompt> Human: Im looking to make a sort of large purchase, around 3,000. I have enough to pay cash, or I could use my credit card limit is 3500 if thats relevant and pay it off immediately. I get 1 cash back on all purchases with it. Im also considering getting a loan if it would have a larger positive impact on my credit score than using the card.  <response>: You dont want to pay interest to build credit.You can get the 1 back from the credit card if you use the card and then immediately pay the card. If you dont pay the card immediately and get a statement balance of 3000, that will cause a huge short-term drop in your credit score that will go away after you pay the credit card bill. 