> > Theoretically, credit should be used for one thing: to make more money.

> I disagree.

> You use credit to buy a car or buy a house when you don't have the cash to buy them up-front.

There's no contradiction with GP here.

Financing a car or buying a house on mortgage might well save somebody money in the long term (e.g. by allowing them to take on a job to which they have to commute by car, or saving on future rent payments).

If that's the case (and that highly depends on individual circumstances), this still counts as "making more money" – via spending less money.

The real question is: How do you feel about borrowing money used to buy depreciating assets or consumables?