Buying HiFi at credit, anyone?

Everyone is different with a different set of opinions/values. I've bought audio on 12 month interest free. I didn't have 3500 bucks at one time. But, I had the monthly payments no problem. It was paid off, I was happy, no big deal.

I use credit cards, but I also pay off the balance each month. Absolutely nothing wrong with credit, if you know how to use it and not abuse it. (FWIW I am NOT in debt up to my eyeballs)

IMO, "cash" deals are getting harder and harder to get discounts with. They make much more money throwing a credit card at you. In hopes that you screw up and have to pay fees.

Dave Ramsey has a radio show that talks about becoming debt free. He believes that credit cards should be outlawed. Dave is different than some in that he has a serious spending problem (similar to an alcoholic). He can't trust himself to use a credit card. I trust myself. I don't pay interest cause the balance gets paid. People that say that "life can get in the way" aren't acting responsibly. When the bill comes, it gets paid. That's life and that's what happen.

As already has been touched on, credit cards CAN be a good idea to use. What if you take someone like me who is responsible with credit cards and give them one that gives you savings for buying gas at the pump. 3% to be exact. Now, it's costing them LESS than if they paid with cash. All it takes is a little responsiblity and not abusing the card.