This is silly, as he explained, he has a couple one-time expenses that he can well afford, they just happen to be occurring simultaneously and having some credit would ease his burden through that period of time. Allowing you to live your life on your schedule,rather than waiting for a check that won't do you any good when you get it because the opportunity you wanted to use the money for has passed is a perfectly legitimate use of credit. Here's a story all you guys can feel free to berate me for - that one personal loan I mentioned having take out - I used it to pay tags, tax and title on my Miata, and it helped to get shocks and tires for it as well. I knew I was going to sell my Sentra, and thus be able to easily pay for the things I wanted for the Miata, but I wanted to make the deal on the car and have fun with it THAT summer instead of sitting on my thumbs waiting for the Sentra to sell. This allowed me to take my time selling my car and find the right buyer rather than hop on the first offer I got. I paid off the loan early in 5 months, and the total interest charge I paid was under $50. That is the BEST DAMN $50 I HAVE EVER SPENT IN MY LIFE. I got more enjoyment out of that $50 than a hundred steak dinners. I don't regret it for a second, and I kinda feel sorry for the people who can't tell the difference between this and charging clothes and cruises and flat screen TVs right up to your limit with no plan for paying it back.
But hey, some people get off on depriving themselves of enjoyment in life. The popularity of Suze Orman and Dave Ramsey are proof enough of this. Actually, it's interesting how much attitudes toward credit parallel those toward alcohol. There are people who use it without thinking about the consequences, and there are those who would claim that any use at all is abuse. As usual, the truth lies somewhere in the middle.
I mean, you can try (which you did) and it won't hurt my feeling.
