Senior Member, Non-Attorney
No, they wouldn't. It could simply be that a person wants their cash working for them in a different way...or maybe the interest payments are deductible on taxes. As to retail sales, I know that I will frequently put a purchase on a card for many reasons other than not being able to afford it. For example, perhaps I want the rewards that come with the card...or maybe I want some sort of purchase protection...Wouldn’t just about every car sale fall under the “if you can’t pay for it in full you can’t afford it”?