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This question almost sounds like the start of a financial disaster that won't end well at all. I know in some countries having your first credit card is very important to try and establish credit. Credit is a major problem when it comes to buying a new car or even a home. If you'd like to finance an item that is too expensive to buy straight out and it is hard to save the money needed to purchase this item. Here are some suggestions for you and how you might want to go about all this.