Smart shopping for credit, like smart shopping for products, means no surprises later on. Your project should begin with a realistic budget. Depending on what room you are doing, the cost of the flooring could be as much as a third of the final price.
Those “no interest” offers can be an excellent choice, but remember you may have to pay off the whole amount before the term ends. If not, you might be responsible for interest dating back to the date of the sale--not when payments begin. Because credit can have a big impact on your overall cost, look for stores that promote their own store card and offer specials to new cardholders. Ask if you receive notices of shopping specials with your monthly statements, or can be put on a VIP list for private offerings. Many stores have special shopping days or offer special products to their cardholders.
Ask, also, about long-term special programs such as one and two year “same as cash.” offers. As a matter of course, most stores should be able to offer 60 to 90 days with no interest. At the end of the 60 to 90 days your flooring will be paid off or what is left becomes an interest bearing revolver starting when you purchased the product. So the best way to use this type of credit is be prepared to pay it off by the time the offer ends.