re: Financing a purchase via 0 interest credit cards

The balance transfer fee would be something to deal with at that point. I know there are cards out now that allow zero fees, but they may not be available when I need them. Some offer the convenience check method, which would avoid the fee, but those usually come with their own fees.

At worst, paying 3% once on what's left of the balance would probably still be worth it. I could make that $250 or whatever it is with the money I retain over paying all cash. Or just pay it off in the 15/18/21 months I have the 0% interest and not transfer at all.

I am not too worried about the credit score aspect. My score is excellent, as mentioned my UR is low, and another account in good standing would probably help.