It is possible to live on less and still be happy. The missing ingredient in much prosperity teaching is temperance in all things.
Buying on credit is merely stripping your future to enhance your present. Slow down and start living within your means. Let God prosper you progressively.
“And every man that striveth for the mastery is temperate in all things. Now they do it to obtain a corruptible crown; but we an incorruptible.”
(1 Corinthians 9:25)