<prompt> Human: Hi all,For a variety of reasons, I will be unemployed for at least six months starting in early Nov. and will be able to start applying to jobs in late May, so Im not exactly sure how long I will be unemployed. I have 30k saved up, and am sure that it will be enough to get me through I spend about 1k a month. Ive re-calculated this many times to make sure that itll be OK. Of course, its hard to predict when a big major financial emergency is going to hit, though.Im thinking that it might be a good idea to get a credit card with 0 APR for the first 18 months, to kind of provide a bit of protection against how long I wont have an income. If I always make the monthly minimum payment on time, will my credit be completely unhurt? Does this sound like a decent idea? Ive been very frugal my whole life, so I dont think that having this 0 APR cc is going to make me spend more. My goal with this is to pay the minimum on time, and as soon as I find a job in the summer, or whenever it happens, pay it all off with the 30k I have in the bank. Im not planning to spend money I dont have. Anything I pay with this cc I could just as easily pay with my money. Im just maybe trying to calm my anxiety at the idea that no money will be coming in for a long time.  <response>: It sounds like you are very responsibly financially and have been planning for this period of unemployment. I see your point of the cc being a secondary source of funds if an unexpected emergency comes up. During your period of unemployment it is likely that you would not be able to get a card since you will not have income. I would say there is no harm in getting the card and putting it away for an emergency. It gives you the means to survive a longer period of unemployment than you planned for should things not go as expected. 