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Do 0% credit cards affect your credit score, even though there is no interest for X months?
With the ZERO percent interest rates for 12,15 or 18 months. When we spend money month to month, will this affect my credit score even though there is no interest payment until those months are up?

I still see this as credit card debt therefore I feel it would affect the score. I've been searching for this answer all over the web, please help me

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