<prompt> Human: So I want to buy something that will cost a little over 1,000, simplicity lets just say it is a solid 1k. I can open up a credit card with an offer of 0 APR for the first 12 months, and 200 rewards back if I make 1,000 in purchases in the first 3 months. This would make the thing I want theoretically 800, and as long as I meet minimum payments I can pay it overtime without interest rather than throw a chunk of cash at it. Would this be a bad idea for my credit currently in the excellent range, if I open up a credit card to purchase one large thing, pay it off over time, then close the card?  <response>: Your plan is OK, assuming you have the discipline to pay it off, except for one thing.Dont close the card. After you have paid it off. Just put a small bill on it every month and pay it in full and on time every month. The extra card and extra credit limit will help your credit score. Closing the card will hurt your credit score.Good luck. 