No. of Recommendations: 1
My wife and I have to get a new central AC and furnace and I'm wondering if there is a difference if I were to apply for a new credit card that allowed me to do a balance transfer at 0% interest for at least 12 months, or if the AC company worked with a bank to offer 0% financing for the same length of term. Credit-score wise, is one more advantageous than the other? I would assume the finacing would be better because the credit card would be open for a much longer period of time, presumably, while the loan would be finalized after a certain period of time. Our credit is excellent fortunately, but there have been several inquiries recently because we are in the middle of refinancing our home and had our credit pulled for an auto loan since we were about to purchase a new car when our AC completely failed on us and new legislation will not allow us to simply fix the AC. Any advice would be greatly appreciated.

- Steiner74
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