conversation: User (isuckatSUA2016): "I have a 780 credit score.  I was in the market for a new laptop and furniture.  I had the money to spend, but I noticed many places offer various financing that allows you 12-18 months of interest free financing as long as you pay off the balance in full at the end of the promo period.\n\nI applied for financing at the furniture store (accepted) and bought an amazon store card for their financing.\n\nInstead of a huge up front expense, I make interest free payments with the intention of paying off the balance in full before the promo period ends.  The only negative is I have had 2 inquiries on my credit.\n\nIs it smart to take out various lines of credit to purchase major items?  A dollar today is worth more than a dollar a year from now, and I would like top take advantage of the time value of money to finance major purchases interest free."
  Self: "If youre making ontime payments then the ssacore will recover.\n\nYou should be looking at cards with better sign up bonuses though."
  