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There are plenty of cheap and affordable ways to furnish your apartment besides getting a credit card. The last thing you need especially if you aren't going to have money to buy furniture for a few months is to rack up a lot of bills that you cant pay off right away which will hurt your credit score and possibly inhibit you from renting in the future. Completely stupid article. First try craigslist, the newspaper, flea markets, or an even better idea, save up enough money for everything including furniture before making a move.