<prompt> Human: Good afternoon PF. I recently received my very first credit card, the Military Star Card and I have a question regarding its usage. I am currently in the military and in college and I am in need of a laptop. The laptop I require must be capable of handling resource intensive tasks as I will be taking many computer science courses. I have found a good laptop for a price of 600. I would like to purchase the laptop with my card to start building credit, however, my account has a 650 limit. According to the wiki posts I should only use 30 of my account limit. So my question is, if I purchase the laptop with my credit card, will it negatively affect my score? I am trying to build credit and I want to do it right. I am looking to pay more than minimum maybe even paying it off completely or in 2 payments when the statement comes out but I just want to be sure I dont make the mistake of nearly maxing my card. Thank you in advance.  <response>: Rather than putting it on a credit card, might I kindly suggest you head over to the Dell outlet Relatively powerful machines, inexpensive, and they do offer 6-month interest-free financing on a lot of the computers there. 