It\'s better to get a loan than buy with a visa card... that is if you buy it at all. But if you do take a loan out to buy something, you have to treat it as if you used your visa, and put money towards it... and make sure you don\'t say "hey look, 2k still on my visa to use,". I recently consolidated my visa bills and took out a loan, which I\'m paying back rather than paying visa... but I had to make sure I cut up a couple of my cards to avoid using them.