<prompt> Human: I am planning on buying a ring and proposing to my girlfriend. I cook for a living and make a little under 20,000 a year. I live in a low cost of living area so I actually do pretty well with that. However its taken me a long time to save up money. Im almost to my goal and had a thought. I recently had a credit card limit go up to 3000 dollars and was wondering if using it might not be the better way to go. The ring will be around for 1700 and buying it will leave me with only a few hundred in the bank if Im lucky. I have never used my credit card for something like this and dont necessarily know the things that could go wrong. Any advice?Assistant: I recently had a credit card limit go up to 3000 dollars and was wondering if using it might not be the better way to go.Only if you pay the bill in full by the statement due date. If youre unable to do so you should not use the credit card, and should probably look for a less expensive ring.Human: If youre getting points on your CC to then go for it but please please pay it in full like aBoglehead said. Ive made the personal mistake of paying for something on a CC then being frilly about paying it down, which is how you end up with long term CC debt the worst kind. Either way, best of luck on this exciting adventure. Sounds like youre making an important move in your life.Assistant: Thanks, that means a lot. Im rather confident I could pay it off within a year with little to no issue. Have a lot to think about now and clearly a lot to learn about credit cards. I rarely used the one I have and now Im glad I asked.  <response>: A year is way too long. 