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Loan or Credit Card? I don't know what's best.

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Hiya,

So since the age of about 15 (I'm now 23) I have always wanted a Rolex. I graduated in May, and got a graduate job with a lot of career progression opportunities. I have decided that now is the time to treat myself to my watch and know the pre-owned reconditioned watch at £3795 is what I want. It's my dream, I want to enjoy it for the rest of my life, and I've worked hard to get where I am today, so I thought now is the time.

However, I don't have that money lying around to do it... I also don't want to wait however many years trying to save it all at £100 a month.

My plan was to pay for it on a credit card, and balance transfer when the 22 months 0% interest finished, and continue like that. However, the maximum limit is around £1,500; I therefore considered a loan, but again paying £100 ish over 3-4 years.... I'll pay £5k for a £3795 watch.

What is my best option here?

Thanks

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