good point Kat, it's always best to live Debt free.
However, there is one exception to that rule, and although I don't do this it is entirely possible. I assume you're not from the U.S., so I don't know what intrest rates are there but here you can get a CC for around 2.9 (nextcard.com).
The CC introductory rate is 2.9% for 6 months. Get the card and max it out in the form of a cash advance to yourself. Instant 10k (assuming you have good credit, 10k is an easy limit to reach) to now turn around and invest. Put in a CD for an intrest rate of 4.21 (etrade as of right now)
Damn, I can remember when they boasted a 7.25 APR on CD's.
Ok, do the math, it's simple. You will make money, not a lot, but you come out ahead. An even better scenario, get a couple of cards max them out take 20,000 and put that into a no-load medium risk Mutual fund yielding about 10-12%
The advantage is, you can make a good return on borrowed money.
The disadvantage is you're now carrying a 20,000 debt that you still need to make monthly payments on.
The advantage is when you sell the fund and pay off the card you have more money to reinvest in your IRA or somewhere else.
The disadvantage the stock market takes a dump like it did last year, and now you're in deep shit.
Lesson learned: don't take advice from a website with "Go Fuck Your Self" in the title.
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