Don't Get Married To Furniture

Brandon and his wife are saving for a furniture upgrade. The store is offering a credit card that would allow them a big discount on it. Should they take it?

QUESTION: Brandon in Cedar Rapids and his wife are debt-free except for the house, and they're saving for a furniture upgrade. The store is offering a credit card that would allow them a big discount on it. Brandon wants to know if they should take it. Dave recommends asking for a 15% discount instead.

ANSWER: Give me 15% off or I'll go to another store. I don't have to sign up for a credit card; that's your choice. It's not the right store as far as service because they're trying to trap me into doing something I don't want to do. It's insulting to me.

You're not beating them at their own game. They're beating you. Knock 15% off, or I'm going to another store. If they won't, go! Leave. Go talk to the manager and say, "You're having a $2,000 customer walk out the door because of your credit card games. Are you people that stupid? Did you not watch the news? There's a recession." I'm not sure it will work either, but don't get married to furniture. It's furniture. As a customer, I'm not going to let a store dictate to me at this level. If they're going to, I'm going to go somewhere else. If you want to do it and play footsie with a credit card, go ahead, but don't ask me to tell you it's smart. I don't think it is.

The deal is, I'm standing here with 20 Uncle Benjamin Franklins under your nose, and you people are stupid enough to allow me to walk out of your store? Really? Because I'm brave enough to walk out. I can tell you that. Sorry, I don't get married to purchases, and I don't allow merchants to dictate to me at that level and push me into a corner. I'm still weird enough to think I'm the customer.