<prompt> Human: Would it be practical to open my first credit card, buy the bike on credit, and then immediately pay down the balance with the cash I have right now? The idea is that I would be building a credit history off this big purchase. Would I have to pay interest on the credit, even though I dont need it? Would it be worth paying interest in exchange for building a credit profile? I dont anticipate another purchase like this anytime soon, I want to go about this the best I possibly can.  <response>: You should not spend money to build credit. Have open lines of credit by all means, but do not finance something and pay interest Throw Money Away for the sake of increasing your credit score.That is not a game you will win, regardless of outcome. 