In most cases you find your self in a situation where you want to buy something and you are thinking should I buy this straight or via credit. Below I will give you the difference between the two.
Straight Purchases vs Credit Purchases
Straight purchases are interest free meaning you buy for something now with what is being sold for, while when you buy something with credit you get interest as this product will be paid for in a certain period like 24 month etc.
Credit purchases are mostly for people who dont have money right away but need to buy a product, while straight purchases are are for people who have money and want to buy the product right away.
My advise to you would be to buy straight always as this helps you to stay out of credit, because if you fail to pay month end and struggle to continue or to maintain the amount that you must pay month end you will end up getting bad credit and be blacklisted.
The best way would be to budget for something that you want to buy and when you reach your budget goal go and buy your product