Thoughts About Credit Cards and Purchasing Equipment

Can I Buy Equipment With A Credit Card?

I see this question a lot. Mostly on forums and gear groups but sometimes I’ll get an email or something about it. With the cost of musical gear and accessories such as PA or computer equipment being so high, doesn’t it make sense to use a credit card to make purchases on high cost items? Won’t it be too late to use it by the time I save up for it?

Sadly, the answers people give are often over-simplified or limited in their scope. People living in one context might not see that the person asking the question might exist in a different situation then they do. In this post I hope to address the central question and give some perspective that might be helpful, not only in deciding when or if to use credit, but how we buy our equipment in general.