When I am in need of something new, I try to hold off until I have enough to buy and pay for it. That way it is paid for right then and you dont have to worry about making any kind of payments. However, I also think that it is a very good idea to have some type of credit available for the times that you have to have something then and there. There will always be those situations, so a good credit source can be a great thing to have, as long as its not abused.
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