I have quite a few things that were chosen at a premium because I liked them, but I would never have undertaken debt to get them. Debt is a scourge, a slave maker. Credit card debt is the worst of the worst. The only thing more dangerous is borrowing money from a leg breaker.
The key to my success was given to me by a very rich man when I was about 20 years old. I asked him what I should do to be financially successful. He looked me dead in the eye with a coldness I had never seen in him before. Then he said "Smart people earn interest. Stupid people pay interest." He was right. The only interest that makes any sense at all is on a home, and that should be dispatched as quickly as possible.