This month I have to pay RM3000 and it is somewhat unexpected.

I was given a choice to either pay cash or pay by credit card. I have no problem paying cash upfront RM3000 and I wouldn't have any financial difficulty after that as I have saving.s But I just feel a bit heartache to be parting away with RM3000 and leaving a dent in my saving.

I am actually thinking of paying with credit card and repay back in 2 months (RM1500) each month. However, I'm worried that it will ruin my credit reputation. I have been paying my credit card every month diligently even before the due date and I pay in full; sometimes more. Plus I don't know how the interest rate works out. I'm using a PB Classic Visa card btw.

If you were in my shoes, which will you choose? Pay cash or pay with credit card?

Suggestions?