<prompt> Human: I am trying to find what the best credit card is for me in my given situation. I recently got promoted and now make 53k a year. I have good credit as I have paid off all of my school loans. Ive only had a debit card and I am looking to get a credit card.The purpose for me to have the credit card would be to pay off monthly bills that I already pay with a debit card so I can maintain or increase my credit.Additionally, if I could find a way to do this without hurting credit I would like to Purchase a new bicycle anywhere from 3000-5000k I know Im into higher end fancy bikes but its what I like. Ideally if I could pay this off in small chunks per month and not pay all at once is what I am looking for. So I guess I need something with a small interest rate. Any suggestions would be greatly appreciated!  <response>: Youre making 53k a year, thats probably about 3000 take-home monthly. Toss 500 or 1000 bucks in a savings account every paycheck If youre bi-monthly or monthly, respectively and enjoy your new bike next in Septemberish. Or, live on ramen for the next few months and maybe you can afford it by JuneJuly. Basically, dont get a credit card with the intent of putting a 5-6k balance on it. Some credit cards will have special financing making a large purchase a little less of a shock to your bank account, but that doesnt change the main idea that you shouldnt buy stuff you dont have the money for: 