<prompt> Human: Coming up soon on settling on a house and was debating against buying furniture and items little by little outright or grabbing the neccesities and possibly financing a few pieces of furniture. Normally, I dont grab any store credit cards I only have one CC - Chase Freedom, but when I saw the 48 months no interest on something upwards of 8k, I thought 150month sounds nicer than parting with 8k right away.Thoughts on if these should ever be used or would be a wise decision? Only negative I can think of is a hit to my credit score depending on the approved card value and having a high balance. Also, If I do this, I would limit it to one store for furniture. Only other intriguing offer is the same no interest for 48 months on a fencepatiodeck. Thoughts on this as well?  <response>: Last time I was at a furniture store they offered 0 financing for 50 months OR 20 off, so in that case you are sort of paying interest.If you buy 8,000 worth of stuff, it would cost 6,400 up frontWhich over 4 years is sort of like an interest rate of 5 per year over the 8000 balance. 