There are 2 types of people in the world, the people who can manage credit and those who can't. The people who can manage credit don't need the credit and ones who need it should not have it. I have gone down that road and ended up bankrupt because of it. It took 27 years to do it, but in the end I lost. Never buy any hobby item you can't pay cash for period. Better yet, put yourself on a strict budget and plan your purchases carefully. Mine is $520 per year plus any gifts I receive or a piece of anything I earn on the side. If your putting the hurt on your finances or your hiding your purchases from your family, You have a problem. Don't be me, broke with no retirement at the age of 46 with 2 small children because I started making bad decissions about money when I was in my teens.