Several times, I’ve done what is considered unthinkable by most personal finance experts: I signed up for store credit cards at the point of sale. I have a Macy’s card, which I signed up for a discount on clothing I was planning to buy — clothing that is probably overpriced in the first place. But when I was first starting to get some freelance web design off the ground after college, while working at a non-profit and in need of another source of income, I needed to stop using my roommate’s computer. My own desktop computer was insufficient for working on the latest technologies because it was about six years old and couldn’t handle broadband internet connections. I couldn’t afford a computer, but to get my business off the ground, I bought the computer with a 0% APR store credit card, having qualified for just enough credit to make the purchase possible (what a coincidence).