<prompt> Human: This ammount seems low to most but is currently much more than me and my SO can handle right now. We are going to have to get a credit card to pay the amount right away. What kind of credit card should I be applying for? What amount can I expect for the first months payments and following months? What is the best way to to about paying this off?I am a full time student and have not found very much help at my bank, I feel like they are trying to sell me something not help.Thank you for your help Reddit.  <response>: First why are you paying for someone elses dog? Did your negligence result in you being liable for the bill? Or is it SO dog? If so why cant they get a credit card? Second, how do you plan on getting a credit card when you are a full time student and presumably unemployed? But to answer your question if you have no credit history if you get a credit card, the APR will probably be around 19.99-25 and for an amount as small as 1200 your monthly minimum would probably be like 30...they dont have much problem with you just paying as little as possible. They make more money when they charge you interest on the principal and then interest on last months interest. And if you forget to pay that minimum by one day they will be happy to charge you a 29-39 late fee and then up your interest to the maximum allowed by law, 29.99 I believe. So you can extend the time to pay this obligation, but at the cost of throwing away money on interest charges.Id suggest selling some stuff you own. It will cost you less than financing this over a long time like you seem to be proposing.Also what do you mean the bank is trying to sell you something? Of course they are, they are a business, things like credit cards are products. They make money on interest. Go to a credit union, they will usually be more helpful.TL:DR Open an account at a credit union, try to get a credit card from them with a 0 APR intro rate. Pay off 1200 before the 0 period ends. If your credit scoreemployment wont get you a credit card put money into an account and inquire about a line of credit or secured loan.Funny Answer:Apply for a credit card in the dogs name. He can now pay his own bill. 