This is a bad combination.
My LBS is having a 20% off one item sale this Saturday. This brings the price of the bike I want down to ~$2,800. I have almost $600 in cash and gift cards that I've been saving for a while to buy my new bike. And I have a $6,000 credit line.
I know using my credit card to buy this is a bad idea. But it's a great deal.
/torn