<prompt> Human: So I may have made a mistake. My wife and I have been looking for a while now for a bedroom set. For personal reasons, we wanted a new set, but nothing crazy expensive.At the furniture store, we found a set within our budget, and although I wanted the opportunity to negotiate, the salesman talked fast as usual and we ended up deciding to finance the furniture at 0 for a year. Now we have the money in our accounts to pay it off today, but I was thinking that because of time value of money it would be better to not lose the lump sum immediately - after all, we would easily pay it off within a year.But now I realize that this may have been a bad choice due to a number of factors, including hurting my price negotiation chances if there were any to begin with and adding a line of credit I didnt really want. The furniture has not shipped or been delivered yet, and Im wondering if trying to cancel the purchase IF theres no restocking fee crap and re-negptiate with a different salespersonstore and buy on my own credit card which I can pay off outright, and I get cash back or another rewards card which some articles recommended for getting 500 via intro offers would be a good idea. Thoughts? Will cancelling this hurt my credit? CAN I cancel the credit line? I hate salesemen and I hate large purchases  <response>: Make 300 sure that the total sum is paid off BEFORE the promotional 0 financing ends.Otherwise youll get hit with retroactive interest. 