<prompt> Human: We currently have 12K in credit card debt and have 26K in cash. We were going to just pay the card off in one lump sum, but then I saw an offer for 18 months zero interest as an introductory rate for another credit card. The fine print says we could transfer 7500 balance to the zero interest card. Im thinking we could get a new card with the gimmicky 0, transfer 7500 and pay 4500 cash to close out the current credit debt and put the 7500 we would have spent into a savings account and setup an auto draft for 420 every 28 days to pay that card before the 0 interest expires. That way we still have the 7500 in our account for the time being. The reason is that we want to buy a new house and we will need to take out a jumbo loan to buy the new house and will need to show 6 months of mortgage payment in assets to qualify. So the 7500 would be sitting there in our account looking like money instead of being paid to a bank to pay off the credit card. Are these kind of shenanigans looked upon poorly by a lender?The 12K was borrowed to make repairs on an investment house which is worth maybe 75K. It doesnt have a mortgage against it we own it free and clear but does have tenants in it who pay 600mo in rent. Another option is we could borrow the 12K against the rental house at 3, but I think 0 is better especially since we have the money to just pay it, but Im worried about opening another credit card and how that would look to a lender.  <response>: General advice is to not open any credit cards 3-6 months before buying a home. 