Putting $4k on credit card for furniture and immediately paying off?

[u/EmojiOfAKeyboard]

New house so we need new furniture. And we have money saved.

Last time the store didn’t even ask us how we wanted to pay. It was just “okay this is the monthly financing, sign here”

I immediately paid it the next day.

…. But I don’t want to do that.

Instead of swiping my debit card (because I don’t normally have $4k just sitting in the checking account) is it a bad idea to put it on my credit card?

1) my card says I have $7k available in credit.

2) I will pay it off tomorrow

3) I get 2% cash back in rewards

this seems like a no brainer but I wanna know if this is dumb before the sales people hound me into not doing this

[u/11B4OF7]

Same. I want that warranty my credit card offers on everything I purchase.

[u/scubasteve567 → u/11B4OF7]

What are the details in this generally? How long?

[u/11B4OF7 → u/scubasteve567]

Depends on the bank that issues the card. Some are a year. Some double whatever the initial warranty is. Some will even protect you from theft etc.

[u/[deleted] → u/11B4OF7]

Does this work if you run a debit card as a credit card when making a purchase? Do you get protection for items bought. Like buying a computer at Costco for example and hitting Enter instead of putting in your pin at the cashiers?

[u/11B4OF7 → u/[deleted]]

You would have to look up the specific card. doesn’t costco only accept MasterCard and debit?

[u/electricskywalker → u/11B4OF7]

Costco only accepts VISA and debits. Getting the Costco credit card is worth it though. 4% on all purchases at Costco and on fuel.

[u/whythreekay → u/[deleted]]

Debit cards almost universally offer significantly less consumer protection

If your bank didn’t brag about how they cover you on debit purchases then mostly they don’t; it’d be so unique they’d definitely use it as a selling point

[u/[deleted] → u/whythreekay]

Thank you. I'll call them and ask.