<prompt> Human: yeah, im aware the title sounds like how to just get into a different kind of debt.Short version of the story, my cat had a medical emergency a few days back, emergency vet doesnt do thousand-dollar treatments without knowing shell get paid, and i like my cat. Took out an emergency loancredit card type thing to cover the vet payment.Theres a couple payment options but for a loan the size of the one i took out, its interest-free if its paid off in six months. Otherwise interest shoots up to 26.99. Good deal if i can pay it off fast, not so good if i cant. And im pretty sure i cant.So my current plan: Pay off as much as possible in six months. On the off chance i pay it off completely, sweet, interest-free loan. In the far more likely event theres still some left, use a credit card to pay off the last of it, effectively moving the debt over to a credit card with a lower APR...Its worth noting i dont currently have, nor have i ever had, a credit card, so a im not sure how much this would actually save but every card ive looked at so far has an APR of notably less than 26.99, so presumably it would save something and b in my ignorance i may be missing some obvious reason why this is a horrible idea. From what i can tell the biggest concern is that ill give in to the temptation to use the credit to start living beyond my means, but all things considered i dont think im likely to actually do that im 30 now, been paying student loans and various other bills for quite some time, my budget isnt always excellent but by this point im confident i have the experience and financial impulse control to pay off the loan asap and then keep the credit card paid off. Im probably going to avoid using the card for anything else until the loan is paid off and then switch to using it for something like groceries and pay everything off every month after, basically keep it around in case of future emergencies and stick to stuff id already buy otherwise. I figure if i get something with a cashbackreward program ill at least get some use out of it that way.Good idea? Bad idea? Any other advice?eta some more budget info: Not gonna bother with a proper breakdown right now but basically i could pay the loan off in six months if i tighten up my current budget and have no unexpected expenses. Even if i believed that was gonna happen i wouldnt be willing to bet on it without a backup plan, and its gonna be damn stressful to be constantly worrying about that. And realistically... Six months is a long enough time, somethings gonna happen, and id rather not have the next Something require another loan andor guarantee shoving this loan into the realm of high interest. Im still planning on having it paid off in nine monthsa year max, id just rather not have the second half of that year come with higher interest than necessary. Tryna pay off student loans and work up an actually useful savings account here, dumping extra money into loan interest doesnt help those.My credit score as-is is pretty good over 720 last i checked, literally only a few weeks ago; despite never having a credit card ive had enough bills over the past ten years and paid them off onahead of time to have built up a decent score. Think ive only paid one bill late and it was because my debit card got stolen and i didnt get one of my student loan auto-pays switched to the new number before the due date. Called the company the bill in question was for and got it sorted out pretty quick. So im more motivated to keep said credit score high by paying off the credit card bill than i am to get my credit score built up with having a card. I dont know enough details about how credit scores work to know exactly how getting this loanclosing itgetting a new credit card all in such a short time will effect it; from what i do know itd knock it down a bit at first but it wouldnt be a permanent problem and it seems like the interest savings would probably be worth it, especially if i end up taking the whole year to pay it off.  <response>: Up voted for visability, because I too would like to know the answer to this 