Sorry, can't help myself. Just have to chime in here. Has anyone else noticed that the OP said he doesn't think "a $180 monthly payment is a bad bill". Really? On $10,000?!? Hey OP, let's do some simple math shall we? Let's say you somehow found an amazingly dumb lender willing to lend you this money for a pinball machine (or credit card) and your interest rate is miraculously below 10%. At $180 a month and accrued interest over the length of the loan you should have that paid off by....what.... 2035? Yeah, sounds like a REALLY wise investment here bud. Jump on this now because it is clear you are going places and have got it all figured out my man. Skys the limit for you!
And when you're in your mid 30s with no woman in your life, no car, house or pot to go pee pee in you can always think back to that glorious time when you were 21 and you reached for the stars by getting that Supreme pinball machine that you paid $25,000 for on a credit card just to prove that you could do it. Cuz that's what winners do.
Rock on.