Would like to take out a loan of $50000 in a few months.

So I’ve got a medical procedure coming up that I’m going to have to pay out of pocket. It’s going to cost around 50000 dollars. I was thinking of taking out a personal loan. Before you judge me know I have a car paid off in my name with 105k miles on it and no student debt. I have no credit card debt either (sorta - I have cash in my bank but it’s a no apr cc and just putting off paying it off). I make 57k before taxes and my net take home pay is 3566 a month. Not including bonuses. I currently live alone but would consider getting roommates to make this surgery happen. I also eat out a lot and don’t mind cutting back on that to balance my budget. Im just out of college so I’m fully expecting to get a job with around 67000 pre tax salary after about a year more in my current role (software dev). My fico score is 737 with Experian and 773 with transunion. Expect it to go way higher once I pay off my cc debt I’m being lazy with. Anyway I started thinking instead of taking a personal loan for 50000 dollars why not open one or two 0 apr credit cards and take out a 35000 dollar loan or something? What are your thoughts on this to minimize the interest I pay in getting this surgery done?

I regret opening a chase sapphire preferred credit card 30 days ago so I was thinking of closing it but I’m scared what effect it will have on my credit score with my upcoming credit inquiries planned. I opened a chase card in September 2017 and a capital one card in July 2018. Both of these are no fee 0 apr cards so I like them and will keep them and benefited from them a lot because of their 0 apr.

Plan on getting this surgery next summer so I have some time to plan.

Currently am an authorized user on my dads cc so that’s giving me some credit history age.