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To give you an idea of just how painful this can be, let’s look at a recent offer from Macy’s.

Here are the terms: NO INTEREST IF PAID IN FULL WITHIN 24 MONTHS, PLUS NO DOWN PAYMENT with minimum $1,999 furniture or $1,487 mattress purchase on your Macy’s Card from July 13, 2015 – August 10, 2015.

You may need to make some immediate repairs, or you may need to buy new furniture or appliances.

Furniture and appliance retailers do their part to encourage big purchases with summer blowouts and low- or no-interest financing. Typically, experts recommend against store credit cards for several reasons.

For many Americans, summertime means big transitions: new jobs, new cities, and often even new homes.