<prompt> Human: Long story short. Fridge just died. I can pay cash or other use another CC to buy a new one. However, lowes will give me 150 bucks off a new fridge if I open a Lowes card. My credit is 770ish right now. What if anything will happen to my credit if I open the card, charge the fridge to get the savings, pay the card off, and then close it? Is it worth taking a credit hit or will my credit actually go up a little bit?  <response>: Do you need your credit score to be high? People here fret too much about their score, in my opinion. If you do this, its best to not close the account if it has no annual fees. 