They don't like the cards if you are applying for loans, they look at the total of the credit limit rather than what ever is on it, so you would want to pay it off and cancel if going for a loan. We recently got a fridge for 4 years interst free on sale, the price was about $100 more than the good guys and $2.95 a month account fee but we couldn't afford it upfront so am happy to pay a bit more and am hoping to pay it off quicker.