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That was my thoughts initially and why it got my interest. I'm now thinking the potential downsides are not worth risking for what is only a small benefit (in the scheme of things). J's example of averting $1K interest on a $700 purchase is a bit scary.

Thank you for the feedback. We definitely do not need to borrow this way - just wondered whether it was nice added extra or not. From the comments given - it is clearly not something we would consider. It looks like it is for those already headed down that slippery slope.

Just wondering what should be considered when looking at interest free periods from retailers. We are looking at getting an Ikea kitchen this month while they have their voucher offer on. If the purchase is over $5K you can also get 48 months interest free. Is it worth taking up the...