If you have a store credit card ~ you often receive a promotion in the mail (email or snail mail,)for 6 or 12 months interest free credit on any purchase of XXX.XX dollars.
You are out and about doing your daily shopping and you neglect to take your promotion print-out or snail-mail card with you. If you ask the cashier about the promotion, they may only be able to offer you 6 months without interest but after returning home you may find an offer for 12 months without interest for the same $$ purchase... pick up the phone...or send an email and nail that deal!
Most stores with credit customers aren't going to argue the promotion and every bit of leverage you have to play with your budget is always a plus!
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