Well I guess buying GPUs on a credit card is better than those 16 year old kid who buy Chrome rims and wheels on credit.
Since the GPUs at least hold their value and have a good chance at ROI'ing.
Right now you can use and sell your gpus at about the same price as new if you use them for 1Q of a year, I saw 570 and 580 selling at the price of brand new or a little less, but the risk is and I'm sure you are aware of it, if the stock of of altcoin crush, the market will be flooded with GPUs and there won't be much of an ROI, but I guess it depends on the personne and how they act according to the situation.