<prompt> Human: The only credit history I might have would come from 3.5 years of renting apartmentshouses, paying utilities, and using my bank Visa debit card. I had the cash on hand to pay for this mattress but felt a little more comfortable taking advantage of 6 month 0 interest. The final price after tax today was 1304. Im only concerned that my credit scorehistory is going to be negatively affected by starting a credit line through Wells Fargo. Did I screw up?  <response>: More accounts generally help your score in the long run, and as long as you pay it off within 6 months, its a reasonable financial decision to get a 0 loan. 