Share your insights or perspective on the financial matter presented in the input.

The Benefits/Disadvantages of using a credit card
Using the card but paying it off entirely at each billing cycle is the only "Good" way to use a credit card.  If you feel like you will be tempted to buy more than you can pay back don't use credit. As far as furnishing the apartment, the best thing to do would be to save and pay cash, but if you want to use credit the credit available at stores would be a far better deal than carrying it on a card.