If no, wait and buy with cash. If no, then wait. If no, then use cash. Try to avoid using credit for less expensive items and everyday items. A good rule to follow is to use credit for items that you will still be able to use after you have finished making the payments.
Examples are furniture, appliances, cars, and college or education.
Making only the minimum monthly payment while adding more and more charges to the bill. Paying bills with money needed for something else. Continually being late paying bills. Going on a spending spree and charging everything if you are upset or depressed. Finding it harder to save.