conversation: User (peacocktrainer): "There's a product I want to buy. It's a computer. And I'm set on buying this particular computer. However, my credit limit doesn't cover me buying the computer and the display together (or the computer alone).\n\nI'm not going to change my mind on what computer I get jusut because my credit limit is not enough to cover it.\n\n\nWhat would be my best option in a case like this? Many people have suggested putting the computer and display on layaway and pay it off with credit gradually, which sounds like a good idea, if it weren't for the fact that I needed the computer RIGHT AWAY. My current laptop's hard drive is roasted and I have only between now and the school year's beginning to get a computer.\n\n\nWhat would be my best option in this case? Is there any way that I could purchase the computer and the display while the entire purchase is contributed towards my credit? Or do I have to bite the bullet and pay with debit (which would be very disappointing for such a big purchase)?"
  Self: "You don't buy it.\n\nIt sounds like you want to spend between 2 to 5 grand on some custom computer with 3 Titan video cards, or some graphic arts rig for doing work on.\n\nYou don't need it.\n\nBut apparently you don't care.  You want it, now, and you want to use credit.\n\nBut before we go on the warpath about not using credit to buy toys, what is this computer to be used for, and what type is it.\n\nBecause you already know our answer to it. \n\nYou can get a 400 dollar computer to do your work on.\n\nYou can get a 50 dollar hard drive and replace your broken hard drive.\n\nI'm just throwing out a bunch of stuff here.  No one NEEDS a computer, and if you want one there are lots of cheap ones."
  User (peacocktrainer): "Why wouldn't I get it? I have over 40,000 dollars saved in my bank account. I can afford the computer. I worked hard for my money. No offense, but who are YOU to tell me what I should or shouldn't buy? Who are you to tell me what I can or can't afford? While I appreciate your response, it didn't even come close to answering the question."
  EtherCJ (EtherCJ): "No offense, but you were considering putting it on layaway and paying it gradually.  This doesn't sounds like someone who can easily pay for it in cash. \n\nAnyways, ask for a credit increase. Or pay partially with the card and pay the rest with cash/debit/check."
  User (peacocktrainer): "I was considering putting it on layaway only because if I put it on my cc, it would have gone over my current credit limit, which is a huge no-no. Other than that, I could pay it off with cash. But I opted for credit because credit building. But now people are telling me paying for it with credit could hurt me more than help me."
  