<prompt> Human: So my wife and I have some things we need to fix around the housenew ac, fix shower and I was wondering what the best way to pay for them would be.We have enough savings to cover the costs, but I was wondering if it would be better to open a 0 intro credit card to pay for it instead. My wife and I have 2 credit cards each. We would not keep this new credit card once it it paid off as it doesnt have any other benefits after the introductory rate. The card is 0 for 21 months with no annual fee, so the credit would cost us nothing.Im also not sure how having the card just for the intro period and then closing the account would affect my credit. My credit is pretty good low 800s and I would like to keep it that way.So should I use my saving or get the card?  <response>: 0 is a beautiful thing if you can pay the balance before the intro period, which sounds like youre planning on. Look for a card that also comes with a bonus for a certain amount spent within, say the first 3 months. Whether it be points or cash back. 100 dollars is still 100 saved on your home improvements. Like an above comment suggested, if the card has no annual fee just throw in a drawer somewhere if you dont want to use it anymore. You might see a couple points drop on your score from opening a new card for the hard inquiry but if youre sitting at an 800 I would not sweat it, that inquiry will stop affecting the score after year. 