A good studio lighting kit is what separates a phone video that looks like a home movie from one that looks like a real production. If you buy the right gear now, you will not need to touch your setup again for five years.
Video gear moves on a fast release cycle, which works in your favor. Watch for price drops on current models right around big industry trade shows when manufacturers announce newer versions that only add minor tweaks.
That 0% intro APR for 15 months on purchases and balance transfers is a deadline, not free money. If you still have a balance when those 15 months end, the standard variable APR kicks in and you will start paying interest on whatever is left.