<prompt> Human: My boyfriend and I are in the process of closing on our house. We have enough to cover all the costs that will be associated with it, but I am a little concerned about how much of a buffer it leaves us. So it was suggested that we open a card with a 0 APR for the first year. This would help us get through the lease mortgage over lap that we would have in JanFeb and take care of any expenses throughout the move process ie getting a washerdryer. Ill get my tax return, a bonus, and raise by March so I think after that we will in the clear but nervous about going from mid Dec to Mar I was just hoping to get some feedback on if this is a good plan and if its feasible. I dont know what the limits on these cards tend to be and if we qualify. Our background: Income: 83K and 63K Open Credit Cards: 5 3 actively used 5 2 actively used Balances paid in full every month Debt: Student loans and Car Loans Credit scores: 735 and 730 I guess my question boils down to a few things: 1. Is this a good idea? 2. Would we be even able to get a credit card approved with our back ground? 3. What sort of limit could we expect? 4. Should we wait until our mortgage is approved and weve closed before applying for the credit card?  <response>: Using a 0 card to go in temporary debt is a slippery slope. It can be done in a pinch, but youre so much better off if you can find somewhere else to squeeze or borrow money. You should be able to get approved for a 0 APR card with your backgroundThe limit will entirely depend on your current available credit and credit utilization, along with your income. With a combined 140K, I could feasibly see a 10-20K limitABSOLUTELY wait until your mortgage is approved. Do not shop for credit while you are in the process of getting a mortgage! 