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Finance impact on credit score
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I'm wondering how much it could impact a finance plan of around (700 pounds) on my credit score.
2nd question is how much it will impact if there are interests, for example around 5% (not really worrying)
The point of these 2 questions is because I would like to buy few items, but for now let's count 2 (1440 pounds), and split the payment just to make myself extremely comfortable, otherwise I can easily pay straight.
As I see online, taking a credit card for this purpose is a good choice for the credit score, paying obviously before they charge interests, and it's visible in my credit history, but I can't use the cc for this amount, so I'm evaluating the finance but I'm not sure about the impact.
Do they consider that I haven't they money to buy the items now?