<prompt> Human: I need a laptop because Ive been without one for a few months now, and I cant keep borrowing others computers and using my iPhone. Best Buy has 18 months 0 financing, and I can easily pay this off in 3 months. The only credit card I have is an American Express, which has to be paid off at the end of every month. Is it a bad idea to take out a credit card for 0 financing to use only once?  <response>: If you need one right now get a used laptop on kijiji for under 100. That would be the most responsible way to go. 