<prompt> Human: Hi everyone, I am a student in college hoping to propose to my girlfriend of 5 years soon. We are both in college so we cant do anything too extravagant but we found a ring we both love for around 2000-2500. I wouldnt be buying it for another 6 months thoughNow I literally just got my first credit card, they started me off with a FICO score of 640. And although I could pay it off in full right away, it would leave me broke for my second semester which isnt preferable when I say broke i just mean no spending cash. I have enough for basic living and thats itFor that reason I was thinking of taking up a 12 month no interest payment plan they have. That way my next summer internship can help pay for it too I get around 7k-10k a summer. My question is, is there anything bad about doing the 12 month plan? Im only approved for 500 of credit a month and Id be paying about 200 a month for the ring. Could this kill my credit score? Is it worth going the extra mile to pay it all at once instead? Are these 12 month no interest deals secretly a deal with the devil so to speak?Thanks!Edit: sorry about typos, I only use Reddit on my phone  <response>: 2500, six months, I wouldnt finance the ring. Save the cash. Thats 500 a month. Month 4 or 5, you have cash for ring.Means a weekend job. 