<prompt> Human: Hello all,I am a 22-year-old recently out of college finishing up the final 4-month stretch until my wedding. In short, I am likely a few thousand dollars short of making the final payments on all of our wedding vendors when theyre due. My parents have offered to loan us any money we need to cover extra expenses. However, would it be better to get 0 APR card and pay off the extra expenses over a couple months to get the cashbacknew card bonuses?Heres our financial situation:My fiancee and I are holding a wedding with a final budget of 30,000. This is not whats up for debate here If youre wondering how we got to this budget or just general wedding questions Id be more than happy to discuss that in the comments. However, I am mostly paying for this myself See potential loan from parents above. My financial situation is pretty solid. I make very good money in a low cost of living area, and as such, I have about 2000 per month in discretionary income after my retirement savings. As such, we will have saved up about 24,000 over the year since we got engaged. My fiancee is finishing her Ph.D., so shes contributing what she can towards that total.Both of our parents have offered to pay for around 2,000 worth of things leaving us with about a 4,000 difference between our saved money and the final cost of the wedding. So, we have two options: Take a loan from my parents and pay them back over the 1-4 months following the wedding Apply for a 0 APR card and put the remaining balance on that and pay that back over the 1-4 months following the wedding.Our wedding size is about 80-100 people still waiting on final RSVPs and we are asking for cash gifts rather than physical gifts so we will likely make back a minimum of 1000 there. And with my 2000 per month of discretionary income an upcoming raise about 2000 in company stocks that should cash out about a month after the wedding, we should have no trouble clearing that debt fairly quickly.I only have one credit card currently, and Ive had it for a couple years. Since I didnt have any credit back then, it initially was a secured card so it has 1 cash back but thats about it no 0 APR period or anything of the like making the bonuses of a new card more appealing. I have a fairly solid credit score Mid 700s.So the question is: In a situation in which I should barring catastrophe be able to clear of any debt before the 0 APR period ends, is it better to take a no interest loan from my parents or the bonusescash back from a new Credit Card?As I see it:Pros of Card A few hundred dollars in cash back given that I pick the right card Lack of financial pressure of owing someone money meaning I dont feel pressured to live like a hermit or pull from my emergency fund. I just have to pay it back in the 0 APR periodCons Risk of high-interest debt in a disaster scenario where I wouldnt be able to pay back the card Fired, Gravely Injured, Etc. Dings on my credit score due to a new line of credit and having a revolving balanceIs this a stupid idea? Are there cons Im not considering? Any advice would be helpful.  <response>: Its fine. Sounds like youll save up the couple thousand in a month and pay it off. Opening a second credit card is good for your score in the long-term.If the disaster does strike, Im sure your parents will bail you out. Of course you dont want to rely on that long-term, so next on the TDL after you pay off the card after the wedding is an emergency fund. You likely knew that though. 