used the q card a few times now... only when its interest free of course... and then you have a set-up fee and a 6 monthly account charge... no other charges if you pay it all off in full at the appropriate time... last time we did it the charges versus the interest on the money meant that we weren't making a couple of bucks out of leaving our money in the bank like we did the first time... but for the right deal it CAN be a lot cheaper than a loan from your bank
you should shop around... we got 2 years interest free and a discount on our sofas out of H&J... harvey norman is the original home of the con so knock them down at least 25% and insist on your 18 months interest free... we actually got a new tv on 24 months deferred payment and a further 6 months interest free... of course it probably not worth anything when we make that last payment but thats life isnt it ;o)
a harder challenge than paying for things will be finding nice, good quality furniture that is not absolutely ridiculously over priced... but thats another story!