conversation: User (jstodaount): "I'm 22, just graduated college, have a good paying job, and no debt at all. \n\nI'm about to make a big purchase (about $3000) and I have the option to do 12 month or 24 month financing at 0 interest. I can afford to pay the entire amount in full right now, but if there is 0 interest financing why not do that? So if I do 12 months, they'll just automatically charge my normal credit card every month and send me the receipt. If I want to do 24 months, I have to sign up for a different credit card, get approved, and do all that jazz. \n\nMy dad's advice is to do the 24 month thing because opening a credit line and making payments on time (which is not an issue) will benefit my credit score. But the thing is, I have already opened 3 other credit cards over the past 4 months so I'm not sure if I should be opening another credit line so soon. \n\nDo you think I should take my dad's advice and open another credit line for this purchase to build credit (my score as of August is like 740) or just pay for this purchase using my normal credit card? "
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