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Many places offer interest-free deferred payment. For example, Design Within Reach, through Synchrony Bank, lets you pay in equal installments over 24 months (or less, if you want) [1]. APR around 20% kicks in if you go past the time limit.

[1] https://www.mysynchrony.com/mysyf/paymentestimator.html?intc...



Back when I was younger I bought about $1500 in furniture from Art Van on credit, and did not pay it all off within the 18 or 24 months

Then I got smashed with a HUGE interest charge, they charge you ALL of the interest from the 18/24 months at the end of that time if you have a blance

I buy $300 couches from the clearance center now, in cash.


If you have the $300 in cash, why would you not put it on a credit card that earns you cash back or points?




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