<prompt> Human: I need to make a big purchase roughly 6-8K in a couple of days. I was wondering if its better to pay and max out a credit card with 0 interest ultimately raising my credit utilization by 65 but then paying it off completely over the course of 8-10 months before the promo expires. OR, should I just get a personal loan to fund the purchase. Which option would be better for someone like me with a 760 credit score and has never taken out a loan before.  <response>: If youre not planning on applying for any credit related thing at least until you put your utilization back under 30 the CC 0 apr is the best cheaper option. 