<prompt> Human: I have a 780 credit score. I was in the market for a new laptop and furniture. I had the money to spend, but I noticed many places offer various financing that allows you 12-18 months of interest free financing as long as you pay off the balance in full at the end of the promo period.I applied for financing at the furniture store accepted and bought an amazon store card for their financing.Instead of a huge up front expense, I make interest free payments with the intention of paying off the balance in full before the promo period ends. The only negative is I have had 2 inquiries on my credit.Is it smart to take out various lines of credit to purchase major items? A dollar today is worth more than a dollar a year from now, and I would like top take advantage of the time value of money to finance major purchases interest free.  <response>: As long as it doesnt cause you to live above your means, which it sounds like you arent, as you couldve afforded to buy this stuff outright, it isnt too bad. I wouldnt do it for everything you buy, but these couple of things wont hurt your score. It may even help. 