I've sort of used credit a couple times.
About 2 years ago there was a batch of cards from a really tough non-sport set that I really went after. That put a bit of a pinch in the budget as it came during winter when we run about 1K a month for oil.
So the credit line was used to cover the extra expense.
I hated doing it, but it really was a "once in a lifetime" sort of deal. And those almost never come along anywhere near my price range.
In the end, I wound up completing the set. And I've heard that it's the first complete set. (Something like 4 of the cards were uncataloged out of only 20)
Most other stuff will come along again, so I just won't use credit of any kind for it.
Steve B
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