I have access to 12 months of 0% interest up to about $10-15K with a fee of about 3%, $300-500 total due to my credit score. I think the access to Credit allow

I have access to 12 months of 0% interest up to about $10-15K with a fee of about 3%, $300-500 total due to my credit score. I think the access to Credit allows people to live paycheck to paycheck.