<prompt> Human: Hi PF,Currently 18 and starting school next semester. That being said Im going to need a nice laptop to be able to work diligently and make it easier for me to do work while i am away from home. I have just got a 2nd credit card with a 500 limit from chase. The laptop I am looking at is around 600. I dont feel comfortable flat out purchasing it but looking at what the best way to put it on my credit card would be so I can pay it off monthly. Thinking of maybe putting 250 of own cash into it and put the rest on the credit card. Also, Would making the minimum payment monthly to pay it off negatively affect my credit score. My credit is 720ishThanks for your input!  <response>: Paying 20 interest on your laptop by paying via credit card and doing minimum monthly payments is about the worst financial decision you could possibly make. Youll end up paying 2-3X what the laptop is worth.Look at your school resources and whether they have computer purchasing programs at a lower interest rate. Look into student financing programs. Anything to get a lower interest rate than your CC. 