text: if you have a 1 credit can you get things such as a computer on credit? i have a credit but can not really afford cash for a laptop with my bills and all and i do not have a credit card can i get a computer without credit card? you do not need to be purchasing anything unless you are able to pay for it.  buying on credit delays the payment.  it does not eliminate it.  save your money, a little at a time, instead.  believe me, i've been in credit card debt before and i won't ever go there again.  it's too expensive.