Credit cards can work to your advantage, especially if you work on the principle of paying off the amt in FULL when the bill arrives. Its only detrimental if you pay interest on the outstanding balance. Personally I like to pay in cash/eftpos, but given that many banks these days only give you xx free transcations a month, its easy to go over that limit if you don't monitor your transcations. At least using your credit card you can make all the necessary transcations and make then pay it off in one hit.
Back on the subject of 'financing' your hobby, I agree with most and its a bad idea. All good things come to those who wait!
