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To purchase stuff I need.
That way I get interest which discounts the price, the other way I pay interest which inflates the price.
Should only borrow money if u can earn more by so doing than it will cost u in interest payments.
i.e. 6 months free credit. But watch the small print and Always first ask for a discount for cash, because the credit sure ain't free and the cost is included in the posted price.
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