<prompt> Human: Hello rpersonalfinance,I will be taking a summer class for 1.4k and my parents are generous enough to cover half of the cost. That leaves me with 700 left to cover on my own. Would it be a bad thing if i pay the 700 using a credit card and pay 100 off per month on my credit card? Thanks for the advice!  <response>: Paying with a card is a great idea since it lets you capture the bonus points for travel or cash back. But it is a fucking stupid idea if you carry a balance and pay interest on it. If you cannot afford to pay off the balance at month end then you are just taking on a high interest loan which means it is better fill out a fafsa and take a student loan which will be far less than what chase will bend you over for 