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Not necessarily. Friend who is an accountant uses it if he can't negotiate a lower price using cash or card. Prefers to leave the money in the offset account. Every little bit helps. Always pays well in time. But, as I said, it only works if you are disciplined. Marg.

You MUST ensure you pay things off before the interest free period expires otherwise the interest rate is very high. Do your own sums. Don't rely on any monthly payment the retailer may suggest as it can be insufficient to repay the debt in time. Give yourself a buffer. If 48 months, divide...