<prompt> Human: Hey folks, Im looking to upgrade my camera and the overall cost is around 2.5k - 3k. I should note that I have 3k saved up already, so I technically could buy it now without a loan. Im also trying to build up my credit score, so Im wondering if a personal loan might be more beneficial in the long run. Ive read a few things online that say purchases around this amount really arent worth it after the interest charges. Should I buy it in-full with cash, or get a personal loan? Any thoughts would be greatly appreciated! EDIT: Thank you all for the feedback! I bank with Chase and I know they offered me the freedom unlimited card a few times. I believe that card is 0 for 12 months with a cash back reward. Ill have a chat with them this week. Thanks again!  <response>: Credit card, pay in full every month. You do not have to pay interest to build credit.Heck if you can get a cash back card but the camera in credit then make a payment that day and get your self that cash back. 