Could / should I get a credit card?

[Comeagainow]

Hi, I just bought my first house (on Monday!) I would like to take out a 0% credit card so I can get all my furniture now and pay over the coming year. I’ve waited until everything has completed on purpose so as not to interfere with mortgage checks etc.
Now it’s all gone through with the house, am I good to go re credit card? Am I likely to get turned down as have just taken out mortgage mere days ago? Should I wait a while or can I go for it do you think?

(I did post on the money forum but it’s a bit quiet over there)

Furnishing our first home was literally the only time I've never paid my monthly cc balance in full, either before or after, in the 25 years I've had cards. Not to get an insta style house, but to have a fridge freezer, bed and sofa.

I had a plan in my head and IIRC I paid the bill over 4 equal instalments. IMHO if you have a limit in your head as to how much you'll spend, and a manageable plan to pay it off relatively quickly there's no harm, and it doesn't set you up for a lifetime of borrowing.

I wouldn't but you'll know how affordable the repayments are for you.

The reason that banks offer this is that most people dont pay it off and are on 20-30% interest at the end of the period.

If you're an IKEA fan they do 0% on purchases over (I think it is £99) for different periods up to 5 years, you pick the time. I think it works as follows, you estimate how much you want to borrow and apply for that amount, but you don't have to spend it in one go, so you can spend over a period of time (not sure how long).

At the time we got a mortgage the only credit I had was my phone contract/phone credit. I’d had a card and loan years before but had fell off my record. My partners never had any credit. We got a mortgage in 2017 no issues.

Don’t run up a load of debt. Save first. Buy things when you have the money.

It depends on what you get. Good quality bed and all the basics you need like table and chairs are a good idea. Fully furnish with unnecessary things risks a large debt. But the necessities but things like lamps or coffee table not essential