If you're planning to make a large purchase such as furniture for your home and can't afford to pay for it in one go, then you should consider a 0% purchase card, or a 0% money transfer card. These offer long interest free periods so you can split the cost into monthly instalments without paying any interest. Make sure to pay at least the minimum payment every month, and pay off the whole balance before the 0% interest period ends, otherwise you'll be charged interest on the remaining balance.