I'm thinking about getting a Sweetwater credit card for the 24-48 months of 0% interest. My credit score is around 740. I have one credit card that I pay in full every month without fail. How would getting the sweetwater card affect my score? I know it would initially drop with the inquiry, but does carrying a balance for 48 months (while I pay off a purchase) affect the score? I know if you fail to pay it off they'll charge you a lot of interest, but are there any other catches that I'm missing?