it seems there will always be a solution with what you are going to do, but my question is, is there no other option you would do ? because I don't think that buying bitcoins with a credit card is not the best solution, although you may hope that one day the bitcoins you buy using a credit card will increase so that they can cover all the costs you incur.
if you can, not using a credit card is something that must be done, because using a credit card will only make you pay more than usual.