As long as you have the discipline to actually pay the thing off it’s fine. Many people think, “oh I have 0% interest, I’ll pay it off later” but never set aside the money to do so and end up accruing interest.
I never buy something on them I couldn’t immediately pay off in full when I hit buy. I’ve bought things in excess of my checking balance, but that’s because I had enough in savings (separate from my emergency fund), and my incoming paycheck would put my checking balance well above my credit card balance.
As long as you have the discipline to actually pay the thing off it’s fine. Many people think, “oh I have 0% interest, I’ll pay it off later” but never set aside the money to do so and end up accruing interest.
I never buy something on them I couldn’t immediately pay off in full when I hit buy. I’ve bought things in excess of my checking balance, but that’s because I had enough in savings (separate from my emergency fund), and my incoming paycheck would put my checking balance well above my credit card balance.