If you don't have the money to buy it now you don't "have to have it". In all but the rarest of cases the card(s) you are looking to buy will be available in the future. Buy it then when you have the money. If you are collecting the rarest of the rare you probably don't need a line of credit to begin with. A line of credit to buy something with no true intrinsic value is a very bad idea.
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