<prompt> Human: Wondering if it ever makes sense to use the stores 0 credit option when you know you can pay the debt back in full over the allotted time or if you should always without a doubt use savings.4K is about 20 of my savings now  <response>: If they can throw in a discounted warranty with the card, Id go that route. Have the payment come from the savings account monthly or pay it off in 3-6 months. 