 TITLE: How to Save Money on Furniture for a New Home CONTENT: 2\\. Pay With a Credit Card\n--------------------------\nTo cover the cost of home furnishings, you might consider paying with a credit card. If you go this route, you'll probably want to stick with a card that provides a low annual percentage rate (APR) or get a card with a 0% intro APR. Why? Because if you carry a balance from one month to the next, a low APR or 0% intro APR can reduce or eliminate interest charges.\nEven better is a credit card that provides an attractive APR as well as the ability to earn rewards, such as travel miles or cash back. Additionally, you might consider opening a credit card account that provides a generous intro bonus. Again, you'll want to find a card that comes with a low APR or 0% APR if possible. One note of caution, however: It's important to wait until the mortgage approval process is completed before applying for a credit card or any other form of debt. The hard inquiry associated with the application and the appearance of a new credit account on your credit report has the potential to disrupt your loan approval.\nAs you're deciding whether to use a credit card to buy furniture, keep in mind that retail store credit cards often charge higher APRs than what you'd find with traditional credit cards. If you don't pay off your balance in full every month, you could wind up being saddled with more interest on the balance of a retail store credit card than with a traditional credit card. END