My Number one rule = never pay a dime to credit card companies. If you don't have the cash in the bank, don't put it on credit card. Interest is evil and is driving Americans into buying stuff they don't need. Don't be caught up in debt. Very bad thing. For some people it will take 20 years to pay off that $1500 computer. I suggest that you monitor your spendings and then after you have paid off your debts, then spring for the new iMac. Set up an Ultimatum that you will not get a new computer or other new toy until your credit cards are paid off.