is a layaway plan better than using a credit card 
it depends credit cards allow you to own your purchase immediately and don t require a down payment to do so using them responsibly can build your credit score which layaway plans usually don t do furthermore credit cards come with rewards programs unlike layaway plans that said layaway plans usually don t charge interest while credit card interest rates can be quite high and mount quickly and in the case of a default with a credit card your credit score will be damaged with a layaway plan it won t be affected and of course you need good credit to get a credit card but not to be eligible for a layaway plan 