Diamonds versus Debt

We are at the beginning of August and one paycheck into the month. I was pleasantly disappointed at my inability to produce large volumes of cash this past month, as a large chunk of my paycheck is going towards my wedding rings.  This almost $4,000 purchase is a money hoarder, and I tried without success to sell a few pieces of jewelry I owned to get the cost down.  I have to put a deposit down by the end of the month, and because I would like to avoid having to make monthly payments, I am probably going to end up putting as much down in cash as I can and putting the rest on a credit card.  This is a decision I am not happy about but I want to avoid having my credit run and having a subsequent “soft pull” on my record.  I wish I was able to sell more personal belongings to raise $$$, but unfortunately it is time consuming and not everyone wants gently used clothing.  

I also should note that as I have been paying down my Citibank card, they have been gradually decreasing my credit limit.  While this prevents me from charging anything excessive on the card considering I have carried a balance for 3+ years, it has consequently decreased my credit score. Nonetheless, my credit score has increased 3 to 5 points, depending on what FICO score is tracked.  

My hope is to pay off these rings and then bank money in my savings account for the remainder of the year prior to resuming paying for wedding balances in the Spring.