I was going to say jaguar or jazzmaster as they've always intrigued me. Funny though I've always preferred a les paul (for the record I am SHITE at playing the guitar so don't let my name dropping fool you).
As for buying it on a credit cards.........stop being a dick it's a ****ing guitar.
Don't go into debt for something that can wait you lemon......you've waited 20 years, wait another 12 months (unless its an interest free card if course).