<prompt> Human: A little context on myself.I have been employed since last July. My take home pay is minimum wage roughly 600 bi-weekly. I still live with my parents and have no major billsobligations to take care of. I did have to pay for community college out-of-pocket but I am on a scholarship now. I wanted to build upon my finances and this subreddit has been very helpful. One aspect is my credit. I have been actively seeking information on how to build my credit history now that I have an income and no major bills. I recently obtained the Discover IT card for two reasons. First, it was popular with great benefitsfeatures and zero-percent interest for the first six months. Secondly, Discover provides student loans which is something I am interested in once I transfer to a four-year school. All my minor expenses go through the Discover card and the balance is paid in full every billing cycle. Now I want to invest in a decent laptop. I am not here having a debate on Windows vs. Mac or this laptop is better than that one. My main question is, how do I finance the laptop? There are a few options that Apple provides. Option 1: RBS FinancingEssentially a loan for the amount of the laptop. The main perk of this financing option is that you can have a cosigner. Since I have a relatively new credit history, I can have my father cosign for me. The downside is that there will be interest on the amount of the loan. Option 2: Barclaycard with Apple RewardsThe Barclaycard is an actual credit card that can be used to purchase one apple product and finance it through a specified amount 6, 12, 18 months. The upside is that there will be no interest charged as long as the laptop is paid in full in that time-frame. Since I have no major bills to pay, this should be relatively easy for me. The downside is that this is a credit card and I dont know if I want an additional line of credit. Ive heard that closing a credit card can negatively impact your credit history. What is the best way to build credit? One thing to note, I can afford the laptop fully right now but I will take a significant hit on my savings. I want to build credit. Should I go the RBS route a loan and pay interest? Or choose Barclaycard and pay off the laptop wno interest?  <response>: Dont build credit by paying interest. Build credit by paying your credit card on time.If you absolutely have to get this now rather than just using your savings, use the 0 card and be sure to pay it all off before the promotional period ends.You say you dont want an additional line of credit. But having another line increases your total credit limit, and probably decreases your utilization percentage, both of which increase your credit score. So you could keep the Barclaycard afterward rather than cancel it, and just use it for one or two regular purchases a month, rather than being tempted to go overboard with spending. 