I'm considering making a purchase for a saatva bed and I can take this opportunity to build up my credit score, though it isn't imperative. I'm worried about hidden costs or fees or something. If I take a line of credit and pay off the bed within 12 months at under 100 dollars a month, what happens if I return the bed and get refunded? Would I be able to immidiately pay off the credit as to not incure the insanely high interest credit cards bring? What if I'm only approved for 600 dollars, would i be able to make a 1000 dollar purchase when I'm financing? Can I cancel the credit at any time at no expense?
