<prompt> Human: Im planning on purchasing a laptop for around 700. My credit score is 764 and I have the money to buy it, but Id rather do some sort of financing to avoid spending the money all at once.Im 19, and have one credit card with a 900 limit. I dont wanna put it on that and run a high balance, so what are my other options? Im buying through Costco, btw. Am I better off just paying for it outright, and what are some good options certain credit cards or financing options  <response>: Buy it outright. No need to make it more expensive if you can pay for it. 