I have some debt on my audio system, not much, but I think paying a reasonable intrest rate makes a lot more sense, and is a lot cheaper, than paying a cable T.V. bill. How many have cable hook up to their home theater system? The important thing is to use credit carefully and stay in budget. Avoid impulse buying at all costs. On the other hand if one would accumulate so much debt that one could not pay it back in a lifetime, that would be like getting stuff for free!!!!