[Winning]

one big difference is you need to worry about your credit

I beg to differ..

Why would I not have to worry about my credit on a $30K home renovation or a $200 circuit install? I don't pay for anything with cash. I use a credit card or charge card to reap the benifits of the points and have more protections in the event something goes awry, plus if the card is compromised, my real bank accounts are not compromised. But doing it that way, I still have to worry about my credit. Because what if I cant pay the bills when they are due?

And how is that different than a MCA?