Have you checked out BillMeLater? I have purchased three computers using BillMeLater and with each purchase, I got 0% if paid in full within 6 months. The best part is that BillMeLater does not show up on your credit reports (other than the initial inquiry to open an account with them), so it doesn't effect your utility. It's basically a hidden tradeline and I love it. Now you can't go to BestBuy to buy a computer and use BillMeLater. You have to purchase your computer online with one of the stores that offers BillMeLater. BillMeLater's website has a full listing of all their participating stores, and WalMart is one of them. Plus, BillMeLater now has a cash back feature for some of the stores (WalMart included).
When I have purchased my computers using BillMeLater, first I research by going to stores in person like BestBuy and looking at the computers to figure out what I want. With my last computer purchase, I found what I wanted at BestBuy, but then I went to BillMeLater's website and found a store (JR.com) that had the same computer that BestBuy was selling but it was $50 cheaper and they had free shipping and no sales tax. I ended up saving almost $100. Just had to have the patience to wait for it to be delivered to my house. 
While BillMeLater certainly would work for your scenario, unless you're applying for a mortgage or auto loan in the near future, why are you worried about this?
Generally speaking, I'd rather show lenders that I can make semi-large purchases such as a computer and pay it back responsibly. FICO is an instant in time snapshot, and the score itself doesn't have any past memory of what the utilization rate was at any point, so why worry about a short-term impact like utilization if you're going to pay it off anyway?
I find the benefit of hidden tradelines to be of dubious value anyway, but admittedly I don't have a very expensive lifestyle, nor much in the way of unplanned expenses in my life.
