<prompt> Human: So I have been contemplating whether I should get a credit card to help buy myself a desktop computer or not. I currently have about 300 saved up, and I will start summer work for minimum wage around end of May. I wanted to get a desktop soon but I obviously dont have enough funds. So should I get a credit card and start getting credit since Im 18 and dont have credit under my name since its a simple way to gain it and I will easily pay it off during the summer. Or should I just wait longer until I have enough money to buy a desktop and have money left over.  <response>: Wait until you have the money, then get a credit card, then buy the stuff with your new credit card, then pay off your credit card with your money that you already have 