<prompt> Human: Im trying to build my credit and recently just got approved for this card with 900 credit on it. Before this, I was in the market for a new guitar as I just sold one I didnt play and have had my eye on a particular guitar MIJ 62 Telecaster for those interested lol Anyway, I can flat out just buy it but would it be a good idea to just stash the cash aside, buy it with the card and do the monthly payments on the card with the cash I already have?  <response>: Put it on the card for the reward points, then pay it off on or before the due date. That way you will get some cash back and not have to pay any interest: win-win. : Thats how you use a rewards card to maximum effect. 