There is nothing wrong with barrowing money if you do it smartly. Often times there are beenies to buy X with Y card. rather its warrentys, insurance, points etc etc. I pay for almost every thing with a CC. The diffrence is i pay it off very quickly, with in a matter of hours generally, for work it was almost always with in 30-60 days. I just don't understand why some one would wait inline to buy what ammounts to a toy. Yeah, a smart phone can be useful for work, but very few could justify having the latest and greatist, let alone taking time off work to get it.