re: Financing a purchase via 0 interest credit cards

You want to maintain your utilization under 8-9%. Ideally between 1-2%. Also only let one of your credit cards report a balance every month around 1-2% utilization.

You're looking a 20-40 point hit on your credit score if you go from 10-11% to repeatedly showing a ~30% utilization.

You said you're not buying a house anytime soon, so may be that could work for you. You need to do the cost/benefit analysis of the worst case scenario - which would be a 30-40 point hit depending on other factors. That said - after you do pay off the card though, your credit score will steadily rise back up. Probably not immediately but 4-8 months.