Paying for purchases in full with retail credit cards be to your advantage especially for large in scale items.

You can also go to annualcreditreport.com and get a free copy of your credit report every 12 months from each credit reporting company.

Rule #1: as long as you pay the credit card with regular installments before the 24 months expire you will accumulate no interest.

I would recommend looking into balance transfers for as low as 0% interest typically for 18 to 24 months if you have a higher interest rate.