Credit card debt is a dangerous thing. It can swallow you up very easily. I generally don't use CC to buy gear (i don't buy much, only what I need). I save up the cash, or buy it with household money, and repay the household instead of a CC. Occasionally, i have needed something, saw it on sale, but didn't have the cash. I waited until i had the cash, and missed out on the sale, paying full price in the end. That's a drag. I could have saved on an item that I was going to buy anyway. But...... i don't owe the CC companies a damn dime.