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#23
03-27-2012, 03:37 PM
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I've never used a line of credit for collectibles. I'm neither for or against it. If it's used on the right purchases, a profit could be made along with paying the loan off. I tend to ask if a layaway plan is available if its a high priced card or large lot. You would be suprised at how many of the larger sellers offer it. Some at no interest if paid within three months, others that have interest around the same rate as a line of credit. It never hurts to ask if a layaway plan is offered. Worst thing that could happen is they tell you no. Another nice thing is that it does not mess with your credit score.
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