I want to buy something that's around $400, should I get a CC or use store credit?

I want to buy something at Apple. I%26#039;ve never had a credit card before... and was wondering if I%26#039;d be better off (if that%26#039;s even possible) purchasing the item on a credit card to establish some better credit or use the in-store credit offered by Apple?

Does this question even have a clear winner? As far as spending-- I%26#039;m not worried about going into debt using the card. I%26#039;m responsible about it and know what the company is up to... interest-wise.

Thanks in advance.

I want to buy something that%26#039;s around $400, should I get a CC or use store credit?credit cards

I always say cash if you can do it but that%26#039;s not the question. Really it%26#039;s going to boil down who has the better terms and what%26#039;s the end result as far as your credit is concerned. This is where you%26#039;re going to have to call and ask some questions. If you%26#039;re going with a payment plan with apple you need to find out what the rate is..and if it is indeed 0% you need to find out how long that 0% is for when it expires what the rate will end up being once the 0% does expire and if it%26#039;s against the rules to pay early. A lot of times especially with instore credit like that They%26#039;ll give you 0% and you have a monthly payment but if you pay it off in full before the 0% expires then they charge you an early payment penalty fee. Or there%26#039;s always the situationwhere if you don%26#039;t pay it off by the time the 0% expires you end up paying all the interest you would have accrued during the time period you did have the loan..so they essentially charge you back interest. It%26#039;s a weird weird world with instore credit. They%26#039;re tricky so read all the terms carefully. And if you%26#039;re end goal more than anything is to earn credit history. Ask apple if they do report to the credit agencies when you%26#039;re on a payment plan. If they say yes and the terms are good with the 0% and there%26#039;s no sneaky changes in there then I%26#039;d say go with apple. If they don%26#039;t report or there are sneaky terms that you can%26#039;t/don%26#039;t want to abide by I%26#039;d go with a regular credit card. Now considering that you%26#039;ve never had a credit card before depending on what your credit does look like..you may end up with a bum deal on your card interest rate anyway. Or you may end up in the situation where you don%26#039;t qualify for a regular credit card and you%26#039;ll end up with either a secured credit card or if you%26#039;re a student, then a student credit card. But whatever you do when applying for instore credit or credit cards the most important thing to remember is to read your terms and agreements carefully and thoroughly. And if you don%26#039;t understand something thats in the terms don%26#039;t just ignore it and assume it%26#039;s normal make sure and call customer service to have them explain it to you. There%26#039;s no stupid questions when it comes to getting into debt. You need to make sure you fully and completely understand everything that%26#039;s in there or it could really really hurt you in the future.