Only if you can pay it back in full at the end of the month. Talk to a credit adviser or get the the free copies of your credit report from the the three credit bureaus, do one every four months. Learn what factors affect your score as well making sure your credit history is accurate, the bureaus sometimes get it wrong and it takes correspondence to correct it. You bank may now offer your score on their online site for customers to educate themselves. I know if you get into debt and you get behind in payments, your credit score is affected. Also, watch the credit card companies, usually they will increase your rates and service fees, check out credit unions, they may have a non-variable card with rewards program. The best advice is educate yourself and do the research. Good luck, sorry to go on, but it sounded like trouble coming if you "buy on credit."