<prompt> Human: MS are offering a credit card that is 0 interest for 19 months. So say i spent 500 on the credit card, i would have 19 months to pay it off interest free. My question is, that i always thought if you didnt pay off your credit card within 45-60 days depending on the companies policy that youd get a bad credit rating. So if i was to get this credit card would i be able to pay it off over 19 months without getting a bad credit score? Thanks in advance  <response>: As long as you are making minimum payments your credit will not be hurt by how long it takes to pay off.other factors can hurt your credit but not specifically the age of the debt.but paying interest is dumb. Never put on credit what you cant buy in cash. 