Buying HiFi at credit, anyone?

Has any of you ever bought a piece of Hifi with money you knew you did not have? Not talking about a 4-payment free interest deal when you have the cash anyway, I am talking putting the purchase on a line of credit or worse credit card and repaying it over many many months with interests to pay?

If so, no need to give a $ figure but how many months of net income did this represent and how long did it take to pay back? any regret? do you think it is a sign of ultime hifi sickness or true passion (not mutually exclusive!).