I can afford it, however, I'm a college student looking to go into film editing, notice "college student" so I can only get $1000 credit limit; and the juniper only gave me $1000 ish so I have to put the rest in cash. it makes sense to me to build my credit score, plus the iTunes rewards are pretty cool.
I did notice the "college student" part, hence my reply.
I agree it is a good thing to start building credit while you're in college. However, it really isn't such a great idea to immediately max out those credit cards as soon as you get them. You will also end up paying much more for it in the long run with interest added to your total. Get the card, but use it for small purchases that you can pay off completely by the next statement.
You will build your credit score faster and have much better credit by simply paying bills on time. Adding two credit cards and maxing them out right away won't help as much as you think it will.
College students only get approved for lesser credit lines for a reason, quite frankly they are a risk... and what you are suggesting is exactly the kind of risk card companies are talking about.
Even if you have the money to make the payments each month, then I would suggest saving it over time and then paying for the machine without credit.
It takes less time to save for something first opposed to paying it off from a credit card. Plus, when you save up you don't pay the interest. Sure, you have to wait longer to get it, but in the end it is worth it.
This advice goes for anyone, though. For anything besides a car or a home, if you cannot pay for it outright...
and then still pay your bills, put food in your mouth, clothes, etc. on time each month... then you really can't afford it. Having the money (or credit) in hand for something at this exact moment is not the same as being able to afford it.
Do what you like, it's your decision. I am just trying to offer some advice that could save you from some major headaches later on.
