re: Financing a purchase via 0 interest credit cards

quote:

---

Is that balance seen differently than a mortgage or car balance? I assume it is, but is it seen more negatively than those?

---

Yes, it counts against your "Credit utilization" or what percentage of available credit do you use. Mortgages and Car Notes are installment loans, so the factor (as it relates to your credit score) here is just paying your note timely each month.

In other words, the reporting agencies do see these differently, as they are different types of credit; credit lines and term loans. Hope that is what you were looking for and isn't telling you something you already know