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One of the most praised aspects of credit buying is the , which can last from 6 to 24 months.

: Some reviewers suggest using a card with a high sign-up bonus to get a significant portion of the cost back (e.g., spending $4,000 to get a $600 bonus). Additionally, credit cards may provide extended warranties that double the manufacturer's protection. Critical "When Not To Use Credit" Warnings buy appliances on credit

: Large appliance purchases can spike your credit utilization ratio , which might temporarily lower your credit score. Quick Comparison of Methods One of the most praised aspects of credit