<prompt> Human: Hi Im looking to purchase an engagement ring. Im 25 working in healthcare. Im paid hourly about 57.50 with an annual salary around 100k. Currently i have a debit card only. I have about 9k in my checking account and my monthly expenditure is around 2k for bills, student loans and groceries. The ring i want to purchase is about 6k in total with the warranty and service package. My question is would i be better off financing through the provided bank by the jewler and have a card through them or go and find a credit card. I know i could afford the ring outright but i anticipate some additions expenses over the next two months and id like to keep a cushion. I have two cats and like to keep some emergency fund available. My credit is good in the 700s and i have 2.7k in value for my stock portfolio at the moment but im in a few long positions. The interest from the supplied bank by the jewler is like 27.74 APR. I bank through BoA and could get a cash back or travel card with a 0apr for 12 months.  <response>: You make 100k, dont finance a ring. Pay cash and be done with it. 