Owning and using credit cards with no interest rate in the introductory period won’t damage your score. This is a common misconception. Cardholders who complain about lowered scores have usually made other poor judgments.
These include: applying for a couple of the best zero-APR credit cards at the same time, thinking that 0% APR means they’re free from paying their monthly bills, or having a high card utilization ratio. It’s important to remember that APRs rise immediately to high rates after the introductory period, which could catch you off guard. Know your financial obligations and you’ll be fine.