<prompt> Human: My wife and I are Dave Ramsay cultists and were closing on our first home in July. We have 0 credit cards and we have our stuff together on finances. We are in a quandary though with our first month IN the house. We want to get the hardwood flooring done before we move everything in the second month, and we also want to double up on our mortgage payment for the first two months to go from 30 years to 18 years. We cant do both.Were considering getting a 0 interest free for the first year, credit card, and literally only using it for hardwood flooring, paying it off by month 4 and then chopping it up, but I am concerned about how simple a plan that is and what hidden traps we may fall into with hidden fees, non-usage fees, etc. Does anyone have any suggestions on cards that are best for this? Any insight to give me some perspective? Help is very appreciated.Edit: 30 years to 18 years... not months  <response>: Not having a credit card actually does more harm than good. Without ongoing monthly credit history, youll still have a hard time getting things like vehicle loans, a second mortgage, or even a refinance. Open the card, make the purchase, and pay it off, then set it to pay off in full every month. Use it for gas or something. 