<prompt> Human: Im referring to large purchases such as new TVs, ATVs, cars, etc.Edit: Thank you everyone! All of you made great points for why this should be done. I hope this thread has helped out many other people that were curious as well.  <response>: Absolutely. Check out rchurning. I recently had to pay 13k for a surgery that my insurance didnt cover. Took out a loan on my 401k to pay for it, but first I opened 3 new credit cards and charged the entire thing to them to get the sign on bonuses and then paid them off with the loan. I Just booked a vacation using all points and havent paid for a plane ticket in over a year flew for vaction 4x last year. If your credit is good and your smart with your money its a great game to get into. Never pay cash unless you have to. 