Nothing wrong with using credit wisely. I've done it a few times with guns or other large purchases and paid it off within a few months. I'm not going to let $20-$30 in interest get between me and a purchase that is $100-$200 less than the item typically goes for.

I let the bank finance my last car purchase, it would have cost me more to take the money out and pay cash.

Not something to do on a regular basis, but at times it is the smart move.


Most people don't really want the truth.

They just want constant reassurance that what they believe is the truth.