Only cash ever. If you're one of the few who should buy gear on credit, you already know who you are. I won't even bust out a credit card to drop $200 on something. Then it's mine.

I sell odd, useless stuff around the house on Ebay; anything worth $50 is worth messing with. I let the Paypal account build up and I use those funds to finance some gear. It gets up to $1000 before I know it.