Short term use of 0% CC to buy time


My credit record is very good, and I nearly always clear my regualr day to day credit card. However I had an unexpected bill come in November which meant i took out a 0% transfer and 0% fee card and paid and cleared the bill after 5 months.

Just had a similar situation again annoyingly. I’d rather not take another card on the same basis, but the surplus card I took back in November is asking for 3% fee for transfer.

I know I can easily get a 0% fee and transfer card again, but will it harm my credit score/record, even if i do the same again and pay the whole balance off in 4 or 5 months?

Thanks for any advice.


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