chosing to use credit is a personal choice, but almost every successful entrepreneur/high flyer out there will tell you it takes money to make money. credit used correctly can make alot of $$$.  Not using credit correctly will most definately cost anyone money.

there is nothing wrong with using credit to make money, almost every successful business in the world is using credit to increase profit dramatically. just dont follow the USA model ofcourse.lol

without credit, businesses would fail. credit can be a very good tool to dramatically increase profits.
also, end users like car buyers use credit everyday to get a brand new car with a affordable monthly payment. the key word is affordable, and there is always loan insurance due to changes in work.

$50 a week for a new pinny seems like a great option for alot of people, probably.  and yes, carbon tax will end up with a 25 percent increase in everything til the labour party is kicked out for the next 8 to 12 years. hoping for that for sure.