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Get a better deal...

Without a credit card!

There are plenty of financially responsible ways to furnish an apartment. Going into debt is definitely NOT required.

I would highly recommend visiting a nearby thrift shop, Goodwill, or even stopping by garage sales advertised in your local paper to purchase furniture, clothes, and kitchen-ware you might need. Most of the items you'll find at these places will be in good repair and can be purchased for pennies on the dollar compared to their original "new" value.

Antique shops, flea markets, garage sales, and estate sales can also offer great deals, especially since it is expected that you can negotiate a better price.

Even better, if you pay for it with cash, (and shell out a lot *less* of it) you won't have that "credit card balance" hanging over your head as a monthly payment.