<prompt> Human: Wife wants to buy a 1000 dresser for our babys nursery. The store offers a 20 off coupon on your first purchase with the stores card. Open the card to save 200? I can afford the dresser in cash, and would pay the card off entirely. Am I missing a downside?  <response>: The answer depends on a couple things. Do they charge you an annual fee? Do you expect to pay it off in full every month? As long as there is no fee to the card and you dont let it rack up interest, you should be good to go. 