And amusingly, the best credit cards for those purchases are almost always obtained during the purchase. An appliance purchase at Sears comes with 60 months of

And amusingly, the best credit cards for those purchases are almost always obtained during the purchase. An appliance purchase at Sears comes with 60 months of 0% interest if you open a card - it's debt, but not necessarily irresponsible. Using a normal card to debt-finance the same thing is far less responsible, and I'm not really sure what the article was trying to claim there.