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Credit Card Applications » Questions » User Questions » Other » I have my eye on some Overstock furniture for my new apartment. Should I apply for their credit card to get ...

I have my eye on some Overstock furniture for my new apartment. Should I apply for their credit card to get special financing and 10% off my purchase?

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Leo Zhu

It’s tempting to go ahead and apply for a store credit card when you’re about to drop a bundle of cash on their products. However, before you do so, take a close look at the terms and conditions of the card. In this case, the ongoing APR they charge is high, and there are limits on what purchases are eligible for special financing. Also, the 10% off is a one-shot deal, and after that you won’t be getting many, or any, rewards for your purchases. A better idea is to find a credit card with a 0% interest on purchases for the first year promotion, and which also has a sign-up bonus that gives you something great, like enough points for a round-trip plane fare, or a hundred dollars in gift cards. These offers are plentiful, and much better than store credit card offers. Do yourself a favor and apply for a flexible rewards credit card before you buy that new furniture.

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