I have to very respectfully disagree with Eldragon for the long list of reasons cited above plus when you go to an Audiostore you are likely to pay 15-50% more for the same used piece, albeit with a warranty. But have to tell you in 33 years of getting quality used pieces I have never had a serious problem, most times no problems, with any of them.
If you need a credit card to buy something maybe you really should not buy it based on the overwealming evidence: $7000 in credit card debt of the "average" american household. Just my $0.02 :)